<t>I finished my IVA over 18 months ago at the 5 year point by agreeing a settlement figure which was greater than staying in the IVA for year 6. The reason was to get it over with and start rebuilding our credit rating. During the 5 year period we also paid in any PPI that was collected by DRSP (no...

Shaun has been a big help to me. Definitely give him a shout!

I would put in what you actually spend and leave the others. The IP will then sort it out for you and then let you know if your payments will go up or down.

I think there are limits to certain things (like sky) so what you lose out in one they may be trying to help you out with others to keep it balanced and realistic for you to achieve.

Sorry Michael. I missed his post. Will do it now.

Is there any way to get David Mond to have vision of this thread. I am still hitting a roadblock and would appreciate any help.

Thanks Michael. Everything so far has been circumstantial to see if was even possible. Now that I know it is it was my intent to inform the supervisor as you say. I think I may need to escalate this.

The latest is that if I try to get a secured loan or try to sell the house then I will be in breach of my IVA and they could start bankruptcy procedures. My stress levels are starting to rise. Surely it can't be this difficult. Its like they want us to stay in an Iva but for what reason I dont know....

The person I have been speaking to its in charge of my last year review and equity release attempt. They are not the supervisor that I have been dealing with previously. I would be interested in David Monds opinion on this matter and whether this is classed as normal practice to try and get less mon...

Not with them but would rather not say at the moment

Well now I am really confused..... And frustrated. I have spoken to a representative of equity online and they have put forward a solution to help us achieve an amount slightly less than the equity release value which you would think it's good news. We have also contemplated selling the house to pay...

I managed to get an account with the co-operative. I think they were the only ones who could help at the time. Good luck.

His Andy. I will contact my IP again after my conversation today. I will let you all know how I get on.

Hello shaun.I received an out of office reply from annatte baskeyfield and called the office this morning. I am speaking to Mr Davidson later today.

Thanks everyone. Shaun, I have submitted an enquiry at equity-online but I think it's a bit late in the day to get a reply. Over the next 12 months we would pay roughly £6150. Do you think a F&F payment of £10,000 would be a fair offer to make. Is frustrating that we just can't get this thing finish...