I started my IVA in November 2006 and was due to complete in November this year. Last November I learned I was 5 weeks pregnant, and wrote to my IP to request a variation for me to complete my IVA early by completing my 2010 payments and clearing my arrears. 2 weeks ago I learned that the variation ...

When I started my IVA I was living with my sister and renting out my property as I couldn't afford to live in it myself. My flat was rented out (to my other sister) to clear the mortgage only and has never made any profit. I then moved from my sister's to rent a bedsit close to work and have a bit o...