Also, a thankyou to all who have posted on here and the responses from the regular posters. All have really helped me work out how to navigate the IVA waters with confidence. And to those who are still on the journey - I assure you that your day to make similar "end of IVA" posts will come, even if ...

HI All, Just wanted to update since some of my last posts - I have now paid my debts in full at the end of October and am in the process of the account being closed down and awaiting the completion cert, which I understand could take a few months. I would like to be in a position to get a mortgage a...

Thanks Foggy.

When you consider those dates it's not actually that long to wait in the grand scheme of things, especially given that continuing to pay the average £861/mo could reduce that time a little bit further too.

HI Guys, I haven't made many posts on here but want to say thankyou to everyone online who has posted similar questions that I've had, and to the experts who have replied which has somewhat helped me reconcile a few things in my mind. However, I do have a few questions but first with a little contex...

Since my last post my circumstances have changed - for the better really. The temporary job I was in actually offered me to stay with quite a nice £20k per year salary increase. Due to the 10% 50/50 rule I worked out that my payments would have increased by about £600 a month and because of that any...

Thanks for the response guys. Sounds like a plan to me!

HI Guys, I started my IVA in September 2019 with Freeman Jones making payments of £105 per month x 60 months = £6,300 total. In spite of lower wages through 2020 due to being on furlough, I have continued to make payments due to lower expenditure through not having the expense of work travel. I took...