<t>Hi there,<br/> I have started IVA 3 years ago and I have 2 more years to go. When my IVA finishes we are going to move to a new place either buy or rent, my husband hasn’t got IVA and he’s got a good credit.<br/> The question is can I get my salary to be paid to his account after IVA so the mortg...

Thanks for your advice, it’s nice to hear happy story like yours, it make me stay positive.

Congratulations well done.
I am only at the very beginning of my journey, I maid one payment so far, 59 to go.
I actually have more money that I have before IVA and my life already changed for better.

The guilt is awful isn’t it, but you don’t need to feel like that anymore. Telling my husband of 1 year was awful- he knew I had cards and loans but no idea how much they added up to, I think he was under the same illusion as my kids you’ve got a great job you can afford it, if I don’t ask how we’v...

luluj wrote:

Congratulations on your iva being approved x

Thank you.

I’m so pleased for you - I’ve been checking on your nail biting wait throughout the day! I started my IVA last April and it has changed my life. I actually feel I have more money than ever as things had got so tight with the amount I was paying in credit despite having a good salary. However tight ...

kallis3 wrote:

Your creditors if they write or contact you via phone.

Yes, hope they won’t call anymore. I can’t believe I already feel I’m free. No more sleeplessness tonight.

kallis3 wrote:

You can tell them all to do one now!!

To do one now?

Excellent ! Well done. It sounds like you are paying by CPA (Continuous Payment Authority). The end result is the same as by direct debit -- but I am not sure about whether the usual driect debit guarantees apply. Yes she said it’s different to direct debit but worked the same way. Sorry but I have...

Excellent ! Well done. It sounds like you are paying by CPA (Continuous Payment Authority). The end result is the same as by direct debit -- but I am not sure about whether the usual driect debit guarantees apply. Yes she said it’s different to direct debit but worked the same way. Sorry but I have...

Yes I will definitely be around for next 5 years at least. I feel like a different person.

I’ve just had a call it’s been accepted, the creditor wanted a modification for my IVA company to do in their charges and that’s why it took longer, my payment stay the same. All creditor voted and accepted but Zopa didn’t vote at all yes or no, but they said they take that as yes when there is no v...

Thanks for being here for me. Still no call

Yes she said sorry for delay we were chasing few creditor. But she didn’t tell me about the outcome

kallis3 wrote:

Keep calling!

I called at 4:45 she said they currently putting the paper work together to give you a call before 5:30. I honestly can’t cope anymore, I just wanted an answer. I said how stress I am, can she tell me is it a yess or no, she said she can’t tell me tell after meeting.