Hi I read the forum but don't always post. Just wanted to say that I am currently with Mc Duffy and I'm half way through my IVA. SO far they have been excellent and have had no problem. YOu have to send your payslips to them every 3 months for review which is fine and obviously your P60. Any pay inc...

I Just posted the same thing in another thread. This happened to me today in that after 2 and a half years I received a default notice from Capital One - this is totally out of order and why oh why do they do this so late into the IVA?? Its very unfair that we should have to suffer another 4 years a...

I have been in my IVA with no problems for nearly 2 and half years and today I came home to a letter of default notice from capital one saying how I have breached payments and they will notify the credit agencies etc. They are an ex creditor and I have not had contact from them in the time my IVA st...

Sorry I think I may have worded this wrong - my parter isn't bothered by my IVA - his credit rating is very strong and he already has a mortgage of his own. We both realise that I cannot be on his mortgage due to my circumstance until my IVA ends. My question was by me moving in - will this affect h...

Hello, could someone please clarify my current situation? I am half way through my IVA and my partner has asked me to move in with him. He has spoken to his accountant who has told him that I am not to goanywhere near the mortagage - I knew that anyway, but that he isn't to tell anyone that I would ...

Thank you for this information, that is really helpful.

Hi, I am currently in my 3rd year of my IVA and so far all is going well. I'm currently back home with parents and have been since my IVA began but my question is this: My life is changing and I want to move in with my partner now. Under an IVA - is it best to remain as a "lodger" with him until my ...