Do you have children? own/mortgage your own home? Are you in a stable relationship? or single? how much do you owe? ALL these things matter as you will be signing up for a minimum 5 year term. You may well end up doing six years. Taking an IVA will test you and your partner to the limit. Please tak...

Hi Watzki,
I absolutely relate to your post. We have had 5 and a half years of living like "Monks". Like you Christmas and Birthdays have been hell.. 5 months to go, I am starting to see the light :)I agree with the Bankruptcy thought though! Ahh those cheery memories of the I and E..

congrats and well Done!

Hi, Do you have children? own/mortgage your own home? Are you in a stable relationship? or single? how much do you owe? ALL these things matter as you will be signing up for a minimum 5 year term. Taking an IVA will test you and your partner to the limit. Please take as much impartial advice as poss...

Hi, We got to the same point in our IVA last September (2015) There was never any question of re mortgage as this is more difficult than being a first time buyer.. Aperture merely stopped the payments for 3 months, then wrote and reminded us of the re mortgage clause and that we had the extra 6th ye...