It you make all the payments for 5 yrs as requested and as printed in your contract, why on earth should you possibly have to pay into a 6th year because your IP wants more money - aren't the IP costs agreed at the beginning and incorporated within the agreement/contract??

I think it will be impossible to get a £25,000 unsecured loan if your friend doesn't own his own house - this seems a contradiction I know, but the same happened to me - I worked out that if I could get a £25,000 loan over a longer period it would work - but we got turned down and all the creditors ...

I have spent the last few days working out exactly how much my salary will be over the next few years if I get promotion, and it isn't so much the doom and gloom I thought! I have worked out that because my partner and I would then be at the bottom of our new grades each year we should get an annual...

Hi Can you please advise me how Variation meetings work? Firstly, is it true they can cost approximately £1,000 and if so how is this paid for? Secondly, if your IP takes your revised (reduced) offer to a Variation meeting and they say NO, is that the end of it or if you want to make further changes...

Hi thanks for this - will speak to my IP, I just wanted to go harmed with as much info as possible before I speak to him, because he is difficult to get hold of. Can I just ask - have I read it right that it can be £1000.00 to hold a variation meeting and if so how is this paid for - is it just swal...

Reading this it sounds like even though debtors want to pay off as much as possible, with creditors like NR people are left with no choice but to go BR and then hardly pay anything back - which isn't the debtors fault. I am going to keep reading people's blogs, but a couple of things I have just tho...

Thanks
Unfortunately I can never get in touch with my IP, but I wanted to get the general consensus so I could speak to him armed with some ammunition.
Thanks

Hi My head is spinning with some decisions I am going to have to make over the next couple of months and I am stressed out with it. A bit of background to my IVA, I am in my 2nd year of a joint IVA with my partner paying 42p in the pound - paying back £1,050 per month for a £120,000 debt (not homeow...