Hi I have a joint IVA which started March 2007. Since then our IVA has been passed on twice to different practitioners, and has been with Grant Thornton since 2012. Our final payment after six years, (the sixth year being an arrangement that we offered in a variation)was paid 30 April 2013. We where...

Hi We are in our IVA's 3rd year, next March is our 4th year remortgage clause? But I am angry! March '07 loss of income start of IVA May '07 lost job muddled through offering what we could afford. March '08 variation and back on track. Oct '08 guess what? made redundant! IP said that it was unlikley...

I have a joint IVA with my husband. It was set up in March 2007. After the agreement was signed my husband lost his job and we have made reduced payments since May 2007. My husband is now employed again. Our IP has recently put in a variation offer to our creditors which stands at £75 per month less...

Hi Not a question? But a sickening observation! I have been in an IVA for twelve months. My husband and I had an excellent credit rating, no defaults or ccjs. We both had good salaries so borrowing was never a problem! Great news for the bank eh! Then hubby loses job we can't afford to pay everythin...

Thankyou very miuch for your replies. The clause in our proposal just states the remortgage requirement and the percentage of equity. I spoke to our IP and explained my concern about the possibility of being unable to remortgage, and in this circumstance would the creditors accept an extension of tw...

My husband and I entered into an IVA in March 2007. In retrospect i think we panicked after my husband lost his job. My question is regarding the remortgage clause in year four. When we reach this point in Our IVA my husband will be sixty and I will be fifty five. At the moment I am the main wage ea...