<t>Dear experts, I have only 5 payments left on my IVA. I never missed one single payment. I have not declared one bonus which I received about 1 year ago. So now I need to provide my P60 which will show a difference of about £1,200.00 so more or less I should had paid £600.00 into the IVA. However,...

There will be a final review after the last payment to check the income during the final year and you will have to provide evidence as requested by the IP. After the last payment any overtime etc is yours but windfalls, inheritances etc. are payable in until the CC is issued. Thank you Foggy...very...

<t>Hi guys,<br/> I am on my 63th IVA monthly payment and 9 more to go....fingers crossed!! My question to the experts is "After my last payment do I need to provide my IP any more financial information/evidence, P60, etc? Or are they the ones that will have to provide me with all documents that I ne...

<t>Hi to all. Now is the time to remortgage or add another 12 months. House valuation £155,000.00, equity £85,000.00. The house mortgage is in my wife's name too. And 11 years left on the mortgage with a contract that interest rate will never be more than 1% of the bank of England rate, therefore 1....

Hi to all. Many thanks for your advice. A special thanks for Lisa Thomas that kindly offered and gave me great further advice privately. I will recommend her to anyone with IVA issues. However, I just received good news that my wages will increase. My annual review was just done about 3 months ago. ...

Many thanks for all your responses. I really appreciated it. Based on your answers I note the following: My IVA was accepted £20,000 (£12,000 asset realizations + £13,000 monthly payments - £5,000 IP charges) net to creditors. I have already paid £12,000.00 (about almost 100% of my original monthly ...

Dear all

Please can you advise me on how much lump sum payment would be possible acceptable by the creditors under the IVA. 35p per £1, 40p, or 50??

Many thanks to all.

Dear experts, I am not happy with my IP in relation to my IVA. I am couple months short of 3 years. So far I have paid without failing a single month, plus paid extra lump sums eg bonus, increased wages, etc. Their service is bad and is very clearly that they use the excuse of duty to the court to g...