Hi Steve, I did the same with accuma who were then taken over by GT. I made 2 payments by cheque direct to Accuma prior to my IVA being accepted and these were additional to the 60 monthly payments but added in the total repayment to the creditors. It like a good will jesture that you start making t...

Hi all,

Just made final payment on my IVA.

I just have 2 questions;

How long till I get my completion certificate?

How can I rebuild my credit rating?

Dan

60 months from the date on your court paperwork that your IVA was approved, providing that you haven't defaulted any payments. Any cheques sent direct to the IVA company prior to the approval date do not count as part of your 60 payments.

Just bought my 2010 diary from WHSmiths... Spent about 10 minutes colouring July 1st in... In highlighter! In hindsight, bankruptcy would have been the better route for me, and my only advice to anyone struggling with debt is take expert advice from a number of sources rather than just ringing the t...

Hey Mark,

How did you get along?

How did you find the entry process for the IVA & if its started how do you feel about it?

Thanks for clarification Melanie, So thats how the banks make their money!

Hi Michael, She has contact DFD but they will only confirm he is in an IVA & that the joint loan is included in it. What do you mean by claim in his IVA? You mean become an additional creditor?

Yes it was a joint loan signed by both parties.

What does Severally liable mean?

Can he enter a joint loan into an iva without her permission though?

Hi all, My new girlfriend had a joint loan with her ex boyfriend for approx £25,000 the majority of which was to consolidate his debt. Since they have split up he has entered into an IVA in which this loan is included. After they broke up he stopped making payments on the joint loan. The bank have t...

Yeah I have been switched to GT for my last review. I found them really helpful. I wrote a covering letter with my review paperwork with a couple of queries about F&F payments & they actually rang me to discuss my queries!

Goodbye & good riddence Accuma!

declan beat me too it!

Hi Fifi Firstly welcome to the forum, I know nothing about CSA payments I'm afraid, being a 30 year old single non daddy. However, when you complete your income & expediture forms you must truly complete what your expenidture is, do not feel as though you should ruin yourself or cause your children ...

My accout is with Natwest. I have a full meastro debit card, cheque book, £100 cheque guarantee, ISA, direct debits, standing orders etc which has never been effected by my IVA. They once charged my for unauthorised overdraft I went in & had a rant that I couldn't afford the £30 charge because I was...

It depends on the scale & how much the difference is.

Jan is right, you should inform your IP. Though I generally only informed mine of flucuations at the annual review stage & was never questioned about it!

Can you contract in via a forum???

If not hope you get well soon!

It makes your tax deduction really hard to swallow!