Thanks for your replies everybody, very much appreciated and it seems quite encouraging. I have made a few enquiries elsewhere and the feedback has not been so good. It seems I will find it impossible to get a mortgage with a bank and will have to take a terrible rate elsewhere including huge penalt...

Hi there I would be grateful for some advice on the following I commenced an IVA in August 2005 which was due to run until August 2009. Due to the help of a very good friend my IVA was completed December 2008. I remember being delighted it was over but still subdued as was 29, living with my parents...

I completed an IVA in November 2007. As you can imagine it was a huge relief and I have now been able to start saving money for my own personal use. I have since looked at the possibility of purchasing a house. My father has recently come into some money and is prepared to invest £45,000 into a prop...

Hi I have just completed my IVA due to an offer of early settlement being accepted with 14 months to go. I have had a letter confirming that the creditors have agreed to this and I no longer owe anybody anything. I live with my parents and have a reasonable job but I am not sure of what to do next. ...

Thanks Andy I will contact my supervisor in the morning to discuss this further. You mentioned that within 28 days the supervisor will call a meeting. What and whom does this involve? Do I need to be in attendance? Will my parents need to attend? What would be the next stage after the meeting? Sorry...

Thanks again Andy for such a prompt reply. It's a relief to hear that there is a possibiity I may be able to end everything early. I am sorry but I have a few more questions for you. 1) you said they should snap my hand off at £7,000. Is this something I should be negotiating and initially making a ...

Thanks for your reply. I have a few more questions. if you could spare the time I would be very grateful. I am not a homeowner. I have a clause which states the minimum amount of money which must be paid back over the whole term. If I continue to pay back £320 per month this amount will be exceeded....

I have 22 months to pay on my IVA and have finally told my parents what has been going on. They have mentioned the possibility of paying the IVA off in one go. My dad is under the impression that you can make an offer to end agreements. I currently pay £320 which is based on my wage and will in 22 m...