Hello all, thought I would update you on my case and ask some more questions for your thoughts. So at first I decided to go with the 6 month payment break for my iva, just in order to give me some more time to think about my options. Recently I have been in contact with citizen advice back home in t...

Thanks guy's, my case worker got back to me. She said that she could authorize a few month payment break for me. Or if i decide to go with a DRO, to let her know so that she can let her supervisor know I will be failing my IVA. I got in touch with the national debt-line and they said from what I hav...

Hey Foggy, thank you for your reply. Yes absolutely. The issue is finding out if I qualify. As I mentioned i feel my case worker is beating around the bush amount the matter and I have already mentioned 3 times in emails. So I am trying to find out from elsewhere. I emailed stepchange who told me th...

Also to add.... I don’t think bankruptcy is an option for me really, it will cost more to apply than a DFO and I guess I am still earning something, no matter how little and will be required what is left to make payments towards my debt for maybe 3 years? Which I have just over 3 years left of my iv...

<t>Hello there,<br/> <br/> This might be a long post, but I wondered if you could give me any advice. <br/> I am currently in an IVA with payplan and I am 2 years into my IVA, with 3 years remaining. With the ongoing COVID19 situation, I am no longer able to maintain the IVA payments. <br/> I am con...