I have recently completed my IVA through a F&F settlement. I would now like to open a joint bank account with my partner for household bills. In the past I have been unable to, due to my IVA. I am aware the IVA is still on my credit history, but as it is not a current IVA, would I have a problem ope...

Thankfully my full and final was accepted.. hurrah! Although I may have to wait a while for the paperwork due to the xmas break, and I probably won't believe it until I see it in writing. But still it's a great early xmas present. Thanks to all who have given me advice and support, I couldn't have d...

I've been biting my nails all morning waiting for a phone call, and when it came, it was to tell me the meeting has been postponed until this afternoon!! voting proxies had not been submitted in time, although should be received for later today. Hope it doesnt get left until after xmas, as was hopin...

My variation meeting is tomorrow, and can't think of anything else at the moment.. Trying to keep busy but its not working so far. As well as variation documents from my IP, I received this week a letter from EGG, claiming that I may be elegible for a refund of the payment protection insurance I pur...

Well done Pixie, Im really pleased for you.
Enjoy your fresh start.

It's given me a little confidence too, just hope I get the same result!!

Thanks guys, and good luck Pixie for tomorrow.

The 23rd can't come soon enough for me. I could do with the weight off my shoulders!

I will definately let you know how it goes. Thanks for the advice, I am just a little worried, because one of the clauses in the original proposal was that a minimum dividend of 44p was required otherwise the IVA would fail. But surely they would not fail my IVA over a 4p difference? Especially as c...

My IP has detailed in the report that £750 plus VAT is to be paid for a variation fee. Is this about right? (seems expensive) without this the dividend would be 43p!

I have a date for a variation meeting for my proposed full and final settlement. It Dec 23rd!! Not sure if thats a good thing or not as it may be delayed till January if anything crops up. But hopefully that close to xmas, the creditors will be feeling generous! (fingers crossed) Originally the IVA ...

I am worried that this may not be accepted, as I have read a clause in my agreement stating that failure to repay a certain dividend to creditors will result in a failed IVA. Would my IP be able to give me the offer needed to complete the IVA based on the dividend required? Because they seem very wa...

The reason I need to end early, is because I need to find alternative accomodation. This will result in less disposable income each month, and therefore a possible reduction in my IVA contributions. Therefore my realistic contributions over the next three years are likely to be 36 x £340 = £12,240 W...

I have been offered a lump sum of £11500 from a third party to complete my IVA. I have 3 years remaining in my IVA making monthly payments of £440(36 x £440) = £15840 Would anyone be able to give me an idea if this could be acceptable from a creditors point of view, with the savings in IP fees etc.?...

I am with Accuma. I did ask and him to make a call to the creditors first, and he told me it is impossible for him to do so. What else can I do?

I had a different IP to start with, and my case has been transfered twice to new supervisors. I did receive the modifications in writing at the start of the agreement. It was a condition that had to be met for the creditors to accept the IVA, so I really had no choice.

I spoke to my IP today, and he told me I am "stuffed". He said, it is not even possible to sound out the creditors about the proposed settlement, before arranging a variation meeting. So I am stuck in the IVA until the 24 months is up, at which time I can then put forward a settlement offer. I Don't...