Good luck on 31st, been there and now coming up to end of year four! It is terrifying but you will feel much better once IVA is underway.

Good luck, I remember how worrying this time is, but you will be fine. Look forward to getting your life back. You will get a lot of support on here.

Thanks for responses, Shaun I would be willing to contact you privately to discuss value etc at some point, thanks. IVA was extended to 6 years for equity.

I am nearing my fourth year in IVA. In two years my husband will retire, our mortgage will be finished in two years just before the six year mark of IVA. I still work (age 62) and will not get my state pension until I am 66. What are the chances of getting equity after IVA complete to fund our retir...