Could anyone tell me if your name and all details are deleted from the insolvency register when you have completed your IVA whether by paying for the full 5 years or by making a full and final payment . I understood that it was removed but have been told by my IVA firm that it remains on the registe...

Do you know what a poor credit score is compared to an anverage score and a good score ?

if you make a full and final payment offer , would any monthly payments made after the date of the offer to the date of the meeting ,be knocked off the offer amount if the full and final be accepted

could anyone advise what is a reasonable amount of time from an IVA firm receiving a letter asking them if they will propose a f & f settlement to the time that they reply .

Thanks for the reply . I am not sure if the IPs fees etc. reduction will be as much as you state , as it states that they can take 35% of total payments, which includes all costs including VAT.So as i have paid £8320 and say offer £7500 = £15820 then IP could take £5547 leaving £10273 for creditors ...

Original debt £36400 . IVA 60 x 320 = £19200. Paid 26 = £8320 . Owe 34 = £10880.IPs fees etc max 35% of total payments.Therefore IP = £6720 Creditors return = £12480 = 34p in £. Due to age and work availability i may find it hard to continue to make payments. I have no assets but do not want to be m...

i am in an iva. at the time of applying for the iva i was hoping to continue the work after the age of 65.i will still be able to keep up the present monthy amount of payments but just wanted to know which of the 2 figures i would need to put down on the i & e form

my first payment was made in nov. 2007.i am 65 next year and have been told that my employment will finish in oct. 2009.i know this is a long time off but my query is what figure would i put down for income as i expect the i & e form will be sent to me in probrally september whilst i am still workin...

If creditors have been imformed of the date of a meeting , i would have thought that they would have their total of claims submitted so that all concerned would know the total amount of debt , so that it would be included in the chairmans report so that no doubts regarding the amount of debt could o...

If for example in an IVA your expenditure was £ 40 per month on gas, electric,water rates and telephone , and you were able to make savings of say £ 8 per month on each , would at the annual reviewe the allowances stay at £ 40 for the next year or because you have made savings they then be set at th...

I did post earlier that i was considering to apply for an IVA. At the time i thought i would be able to repay at £ 375 a month . After discussion with the company that is dealing with my case i realised that this was unrealistic . An amount of £ 320 being my proposal which is far more realistic . Th...

hello , just a query on attending a creditors meeting . is it more beneficial to actually attend the meeting as against being on the end of a phone . the cost to me to attend a meeting would including train fare and having to stay overnight would be approx £ 100

i have been reading recent posts regarding bank accounts in an iva . i have a current account with smile , the overdraft limit states £0.00. none of my creditors are linked to this account . would i still be able to use this account in an iva

hello , just another query . if i applied to go for a DMP and it was agreed and that the number of payments and monthly amount would clear my debt , how would this affect my state pension .as you stated above in an iva i would be liable to pay all of my state pension into an iva , would i then have ...

again thanks for imformation. my company pension and wage will i am sure cover the 375 pounds i have spare . if i must then take my state pension will i have to pay all of it into an iva or will i be able to keep some . if i have to pay all of it into an iva it seems pointless continuing to work aft...