Thanks all, I'll give them a call and see how I get on.

Great, just wasn't sure that now when her new wage is declared, it will change how much we pay to the IVA vs the card payment.

Just an update, I got a car, finance company were great, IVA IP was amazing and so helpful.

and as my job is currently 2500 miles per month, I'm very glad to be in a low mileage car.

It's a 5 year old Meriva, but it's new to me and is great!

Hi, I am currently in year 4 of my IVA, my wife has taken out a credit card in her name since my last annual review, to cover monthly re-payments, she has increased her hours to pay for this. As my IVA is only in my name and the card is only in her name, will this affect my IVA and would I add this ...

Just to let you know, all going OK, I have a variation meeting for the start of January. The variation includes an additional 2 months payment break so I can add a deposit to lower the monthly payments and extend to 6 years. Midland car credit accepted me at a better rate than everyone else, with no...

Thank you Michael, I have sent an email and asked if this would be allowed, I have added I am more than happy to extend to 6 years to pay as much as possible to my creditors. I will let you all know how I get on. I only wish I had found this forum 3 years ago, the help has been great and much apprec...

Thank you both for the advice, I will make contact during the week.

I don't like the idea of taking credit in an IVA, but do need a car that will be reliable.

Torn on what's best to do.

Hi, I am after some advice. I have just passed 3 years in my IVA, my previous car HP was included and has now finished, my payments have increased as per the initial terms. In the initial terms, a 2 month payment break was built in to cover the balloon payment at the end. However as I need a car for...