Hello to all, i can happily say my offer was accepted and i'm free of the IVA and as you know completely debt free! Would i recommend an IVA? for me it was one of the most stressful things i have ever been involved in. Mine lasted 2 years and 7 months felt like forever. BUT it taught me a lesson i w...

Creditors meeting arranged for July...'' I will post the outcome it has also been recommended to be accepted by my IP.

Well, What a crazy couple of weeks! I've been proven that the person who was dealing with my IVA has been acting incorrectly and giving me misleading and false information. She was very dismissive which I found strange and kept telling me over and over again I would have to get a secured loan to app...

That's great to hear Lisa, so my IVA company should be more than happy to call a creditors meeting to offer this. I would be very happy knowing they have accepted. I will post back when the meeting is, that is if my IVA company agree to put it forward...Mmmm and hopefully the outcome..'

Hello Lisa, my third party funds will only be available in September, so I have to continue making my monthly payments of 125.00 until then. Then there 3,500 will be paid so this will the final end payment. What I'm trying to do is to ask my IVA company to arrange a creditors meeting to accept this ...

Thanks for the reply, so it looks like I can make the offer now looking at your timescale it's similar to where I'm at. I have sent the letter for the offer and request i will post back if they arrange a creditors meeting. Thank you

Hi Lisa, sorry just to be clear this offer is for this coming September 2016. I know it may take a good month to arrange a get for a creditors meeting so we still have a good few months to go before my offer kicks in. Is it too early to make the offer? Just would like to pin everyone down on this so...

Hello Lisa, Thank you for the reply. I was upset with my IVA person showing no interest in my offer and also the fact my IVA does not even have a secured loan requirement since it was in 2013. My third party offer is a lump sum in September of 3500 my IVA was only 7500 over 5 years. With my payments...

I am in the position to pay in full my IVA, within three years with the use of a third party to complete payment. I have a property. The amount that will be paid to date including the offer would amount to a full 6 year IVA. My IVA was signed 2013, so I presume I would not be part of the 2014 protoc...

Let's hope so, as they say a bird in hand is worth two in a bush...''

@ Lisa, yes that's correct well my review is in progress as I write my financial situation has not changed so I expect my payments to remain the same. So the offer is a good offer money paid up front by year three....or technically wait three more years, ( turning it into a 6 year IVA) to receive mo...

Thanks for the reply, let me clarify 5 year IVA 7500 at 125 per month = 1500 over 5 years 2 years and (9 months on-going) but will be this year Sep for example so total paid will = 4125 as of end of this Sep 2016 A full and final offer of 3,375 to be summitted Sep this year which in effect means IVA...

Ok so they if the Iva run it course they would get another 12 months so I would be in it for 6 years :( so the question the fully amount offer would be for the 5 years, they wouldn't feel they want 6 years worth of monies as a third year complete pay off as I have equity in my property. I hope you u...

Hello to all who have taken the time to read this, My IVA started in DEC 2013 to be for 5 years to pay 7500 at 125 per month. OK two years in I have paid the 3000 plus in this time I've paid an additional 1143 in overtime and tax return so going into my third year...if I continue to pay into 2016 up...

I would definately not sell your house your most important asset. This would please the creditors to have the opportunity to take any monies you release from it. Remember this is the reason and main benefit of an IVA to protect this asset. Rent it out if you have to, as this with be the best option....