Hi Ryan, I settled my IVA a few years ago but it remains visible on my file until next year. I contacted L&C about the chance of re-mortgaging. They said I could but they wouldn't be able to beat the rate I'm paying now (4.79% svr) so they suggested contacting them once the IVA is gone from my credi...

Hi everyone, I completed my IVA in March 2016 using F&F offer (IVA started Sep 2013). I have just looked at my credit report on Experian and have noticed that 2 loans I took out through Co-Op bank are still active defaults even though they were partially settled through the IVA. All other defaults r...

Thanks for the advice guys, I'll sign the letter now and get it posted.

Hi everyone. I completed my IVA in January after a F&F offer.My IVA provider refused to send my CC due to the ongoing Green vs Wright case. Today I received a letter saying if I want my CC then I need to sign an agreement to agree that any future PPI claims are payed to my Creditors. Is this the nor...

So our Variation meeting went ahead today as planned and our Creditors voted and accepted our F&F offer! Me and my wife are overjoyed and can't wait for the future with our 3 boys, being debt free. Thanks a lot to everyone for their excellent advice and I wish you all the very best.

Thanks Lisa and linrog, i had a call 10 minutes before the meeting saying one of the creditors needs another week as they recieved the paperwork late. Is this normal?? Next meeting same time next Wednesday.

Thanks Mikey, we have everything crossed. Hope your letter comes soon. Thanks again.

Hi, me and the wife have our variation meeting tomorrow at 1pm to see if our creditors have accepted our F&F offer, to say we are feeling nervous is an understatement. I don't think either of us will be sleeping tonight.

I don't think that would be a problem. I got one through work as my old car packed in. No car = no work = no income = no IVA. I'm pretty sure your IP will agree to this, following an income/expenditure review of course.

Hi everyone, just heard from Payplan, our Variation meeting has been scheduled for 28th October at 1pm. Me and my wife have everything crossed and can't wait until then. Payplan have been brilliant over the last couple of weeks, I would recommend them to anyone.

Thanks guys, much appreciated. Will let you know how it goes.

Thanks guys. I spoke to the variation team leader today and he put my mind at rest, saying they could call the meeting around end of october. I need to send over payslips and proof of redundancy offer. Also he says they need a mortgage redemption statement and house valuation. Hopefully it wont be t...

Hi just a quick update, I have been dealing with my case officer not my IP, my mistake. He has just informed me that he has been told that our case can be made a priority, although the Variation Team's team leader has said that first week in November is 'best case' scenario. I would sign the letter ...

Hi guys, good luck to all with their meetings. can someone tell me how long the whole process took? i sent my offer letter to my IP on 19th August. Thanks.

Congratulations Lisa, I hope mine goes the same way. Can I ask how long it took from writing your letter to the meeting date? I wrote my letter a couple of weeks ago.