Thanks that's the point I continue to attempt to raise with Lloyds but they will not provide a breakdown I was told 2 weeks ago the legal department were looking into it.. We will pay the remaining balance but they are not taking into account any of the money we have paid via iva or token payments.....

Urgent advice needed... Please could anyone advise I entered into an iva in my sole name in August 2007 included was a joint account overdraft from Lloyds for £2900, as it was a joint account my IP advised my hubby to make regular payments into this account so this as agreed with Lloyds and he paid ...

Thanks the personal loan was refused, so we will try finance.. If not are there any companies who offer personal loans to people who have completed an iva?

Hi I entered into an iva in aug 07 I completed early in aug 11, the iva was only in my name, my husband now needs a small loan to purchase a car/van to get to work as our car has now given up.. Could you advise us on companies which could help us, my credit rating should start to improve this aug as...

Its First Active, i'm just hoping now that it is a genuine offer in my circumstances.
They did check and ring me back so i am hopeful!

I gather that you believe its a good deal then ? should i contact my IP now and inform them of this will i need another meeting?

Thank You will do that

Hi all, as you know my IVA was approved in august, my current fixed rate is due to finish on 30.11.07, i have called my current lender and informed them of the situation with my IVA which they are already aware of, they agreed to offer me another fixed rate at 5.85% for 2 years, a deal for exisiting...

Hi, been in my IVA in since august and i have been learning to budget since then,what we do is draw a set about of cash out each week and use the envelope system, petrol shopping and misc, i found so far so good its working really well. its so crazy i will never switch i stand behind people in super...

hi what i understand is house to be revalued any time in the four year then 85% of my equity is to be released as my husband is not in a iva does this sound correct.
I was told the current valuation would stand unless there where any mods.
stoney

Hi Andy,

The mods were a increase from 75% to 85% of the equity in our house, The house to be re vaulued in year 4 which wasn't the case prior to the meeting the figures were based on a valuation completed during the IVA process. And 50% of overtime worked.
So not bad at all.

Stoney.[:D]

thanks yes still in shock haven't really calmed down yet had a terrible time yesterday got myself so anxious couldn't really concentrate when i was given the decision. its all a bit of a blur.

[:)] FANTASTIC news so pleased for you, i was also approved so share your joy. lucky fews days for us
Stoney

still in shock really IVA approved yesterday with only a few mods ! so pleased can start and the process of having our lives back and not been occupied by the whole IVA process 4 yrs 364 days to go !!

hi dorset hope you have some good news, only 24hours for me too now
stoney

Thanks melanie, so would it be reasonable to come to some arramgement with the bank to pay a set amount each month or would they want a lump sum straight away which obviously we dont have. Within my proposals there has been a set amount of money aside for his debts so we could pay a agreed sum each ...