Hi Foggy, I just own the one property, and I rent the property which I live in. I have provided a redemption certificate for the mortgage as part of the process. But because my income and expenditure has dropped into minus figures. I wouldn't be able to mortgage to put any more into the iva anyway. ...

Hi Laura, I will email you when I get home, as I don't have my ref number with me - thanks

Hi, I have been in an IVA now for a little under 2 years. The IVA has become unaffordable due to the loss of rental income. I can’t get new tenants due to repairs that need making; some are structural and could easily amount to thousands. Some of the repairs are supposed to be joint repairs, I say j...

Hi Foggy, thanks for your reply. I already had to take a payment break in Jan to replace a broken appliance. I could ask when I'm able to ring, if I had to I could ring tomorrow to put it forward. Just not ideal now the lines aren't open as long as they were. Hopefully I can take another payment bre...

Hi, I'm coming to the end of my second year in my IVA, the last few months have been a struggle as my mother in law is really ill, and permanently in a 24hr nursing staffed home. I'm paying out 3 times what we usually use in fuel, usually a full tank about £50 lasts the month, we are using £150 at t...

Hi, my IVA started with DFD 17th June 2015. I have sent my annual review information via email to the address on the cover letter with regards to my review nearly 2 weeks ago. Still waiting on a reply, which isn't uncommon from some of the other posts I have read. According to my IVA proposal which ...