Thank you for your advise which I shall be taking, looking forward to August very much when I shall be debt free.

Hi I have 5 months left of my IVA and owe £2650, I would like to settle early as I need to start saving asap do you think I should ask to settle early or just wait the five months and if so how much do you think would be an acceptable amount to offer. My parents are willing to give me the money. man...

Tony,
thanks for your advice and thanks lulu, I will be in touch nearer the time.
Regards Chris.

Tony and Dave, Thanks for taking time to answer my questions. Do you know of any brokers or advisers who would be willing to talk to me regarding a mortgage? Or would it be better to wait until I have completed the IVA before discussing mortgages? I am keen to plan for the cost of the repayments and...

Tony, thanks for replying. The land will be around £75000 and I expect to be able to raise £15000 as a deposit. I will be applying while still serving with a salary of £41000 and my pension on retirement will be £55000 lump sum (tax free) and about £10000 a year (taxed). I will also be working but h...

Hi, I asked a question yesterday but probably did it wrong! My question is this: My wife and I are nearing the end of our IVA (Sep 09) and will have the opportunity to buy a plot of land from my father in a couple of years time. He intends to build a property on the land and let it to us (passing it...

Hi,
thanks very much for your time, and expertise, it's been a great help.
Regards Chris.

Stick with it rachell, it will go quicker then you think. Keep budgeting and make it a permanent life change.

Best of luck Chris.

Hi IVA Experts and Andy, Thanks for replying. When the 6yrs have passed and I apply for a mortgage will the lender ask me if I have been in an IVA? and if so will it have an effect on my application? (assuming I have gone some way to repairing my credit rating in the 12mths prior to applying). Sorry...

Hi,
My wife and I entered an IVA in Sept 04, we have complied fully and now can see the end. How long after completion could we expect to wait before our credit is repaired? (We are keen to buy a home)
Thank you for your time.
Chris.