Thank you foggy and Ryan. How is best to get in touch?

<t>Hello Ryan, I hope you're well? I am looking for a bit of advice on a post-iva mortgage please.<br/> Background is as follows. I entered my iva in 2012, settled in full in 2017 (earlier than forecast). The iva dropped off my credit report naturally after 6 years in 2018. We have recently sought t...

Thank you

Thank you so much that’s so unexpected!! I have been reading post of the month for the past few years and it has helped me so much. Thank you all for everything you do, you help people so much more than you realise. I haven’t been a regular poster, but a regular reader for sure! Thank you all, and I...

Thank you. I wasn’t sure if it was worth reading for anyone, but I’ve found this forum so useful I couldn’t resist. I think the variation to add a further 12 months was made when I had a pay rise releasing more expendable income. Dfd would not review my case no matter how I tried to explain it. I kn...

Hi all. Not sure if this should be here or another section, but my sense of navigation is poor at best. I thought I'd leave a little "good news" update in case I can inspire anyone else to have a dig. So as with a lot of people on here, I got myself into a sticky situation during 2011 at the ripe ol...

I have been in contact with Aperture as I’m nearing the end of my IVA (in fact I’ve had an email today to confirm they have carried out an urgent review of my case and have recalculated that I only have one more payment rather than 17 as they previously thought). I have had success via email, althou...

I have an IVA with DFD and I'm still in regular contact with them as per usual as recent as today

Fees are not connected in any way to the amount of debt. They are agreed as laid out in your Chairman's Report, either on a time charged basis or as a percentage of the amount of payments you make, in addition to a fixed fee for work done prior to the IVA starting. So recalculating the debt will no...

Hi all, I just want to get an input from someone to tell me whether I am totally misunderstanding the situation. So my original debt was around £13224, but Debt Free Direct calculated about 54p in the pound to be returned. After wage increase etc this increased to 100p in the pound so their fees and...

Excellent thank you very much for that

That's great, thank you. If the funds are then dispersed to the creditors now for example (with 27 months left to go), and it reduces the debt by the equivalent of 6 months of payments, when will they adjust the terms of the IVA to show it will end in 22 months? Example: Monthly payment = £375 Month...

Good morning and hello! So... I was one of the silly ones and got myself wrapped up with payday lenders. However, this was while I was young and daft, and now I am 4 years into a 77 month IVA. I have recently gone to town with complaints on the payday lenders and have had 6 of the 10 accounts closed...