Hi, This wont be a popular view on this website, I find an IVA just keeps going even after it finishes. I say this because: 1) Its advertised as a 5 years plan when for most people its 6 years. (Yes most people are made aware of this) 2) You stay on IVA registrar for 3 months after the IVA closes. 3...

HI,

I made token payment to all creditors of £1, this was under the advice of Step change. I wrote to all creditors explaining i was in financial difficulty with £1 postal cheque.

Good luck

Hi,

I was allowed to take out a student loan whilst on an IVA. The IP agreed as the loan wouldn't be payable until the IVA was over.

Good Luck

Nearing the end of IVA, Have not got a completion certificate yet.
I wanted to join up to LoqBox, I'm unsure if this is seen as credit or not?!

Anyone know ?

Yes!

I can totally relate to the frustration, currently seems never ending.

How about a calendar countdown ?
- only 12 more payments to go

Hi Mrs Brown,

Try not to worry over the small things (just eat). The IP know were are all human!
The most important things are declaring and paying any extra income, which you already did so its all good :@)

Were still waiting for ours to come through

thank you Mrs Brown, they used to be super quick with everything.
Guessing they are busier now days.

Hi,

Thanks I hope so, its as daunting as starting the IVA. I am a worrier.

Step change final review
Anyone know how long these normally take ?
I was told our file was due for review 2 weeks ago, we haven't heard anything since

Hi,

I would get professional advice, I found step change very good, , however 5,000 is a very small amount in IVA terms. I do not personally think an IVA would be the most suitable choice, maybe have a look at DRO ?

Worth looking into.

good luck

My car was written off. I was allowed to keep the insurance money to buy another.

Hope that helps

<t>Hi, <br/> I'm still without heating, ( my heating system was condemned a few weeks ago) I simply can't find anyone willing to lean / beg or borrow from.<br/> <br/> I'm not on benefits so not able to receive any help from government. I'm on a iva so unable to achieve finance. Iva break won't help ...

Sorry about digging out this old post, however given the horrid situation I'm in, for those whom don't know I'm on year 3.5 of an iva and just had our warm air heating system condemned. It's not fixable. We're gone to everyone I can't think of for loan / grant's / beg & bowwow. Obs still without hea...

barassic wrote:

Has he actually disconnected the unit and issued paperwork ?

Hi,
Yes, he has disconnected the unit and I do have the paper work. I have no issue with the company who disconnected the unit. They are gas safe registered.

Hi.
Could try that, thank you,
It was condemned because:
The ventilation is not safe under new regulations.
The unit it self was corroded and back plate not attached,
The flume is broken in several places and deteriorated. He said we were extremely lucky nothing awful had happened.