We have a clause in our IVA stating that in year 5 we must get quotations for a remortgage and if this fails we have to pay an extra year of payments. The IVA is stressing me out I have a constant fear of not meeting the IVA and being made bankrupt. We have good equity in our home. Can we re-mortgag...

I spoke to my IP re bank chgs and also have a clause about windfalls. Our Ip is a reputable company but I was told that we are allowed to keep the bank chgs as these occured after the IVA and were the cause of it. Bearing in mind we did not claim from the banks in our IVA but I am considering making...

feel a lot better. Will start making extra payments each month and will get my partners payslips. Had a fear of them forcing me to go bankrupt not an avenue I want to take. Tks for the advice

Our Ip is with Grant Thornton. When we signed up to our proposal we were desperate to get rid of creditors phoning us and signed on the dotted line. When the proposal came I queried income and other things on it and was told to sign and it would be sorted but wasnt. Our IP is to me very tight, we pa...

our iva was based on our income of 2000 per month. My partner has done an extra 7k of overtime this year and our living expenses fuel, mortgage, rates etc have risen dramatically. We dont have the money to pay our IP for the 50% overtime. Will they ask for it or can we pay something extra on top of ...