<t>We have had a full and final proposal setup for 2 weeks time but the iva company have told me today that even if its accepted by the creditors then the charge will remain on the house for another 4 years, is this normal practice ? Seems like if you offer a full and final then surely that should b...

<t>We are struggling with our IVA as we live 300 miles away from family and now have a baby which means our income will drop due to the wife looking after him. My parents have offered a lump sum which covers all remaining iva payments and clear the iva so we can get out of it. If the full and final ...

Thanks for the advice, do you have any advice on my second point around bonus and income totals of the period of the year?

<t>We are in the 1st year of the IVA, not really working as monthly budgets are worked out over 12 pay days but I get paid every 4 weeks. therefore the extra pay day falls in December so we are short every month and its been extremely hard. on top of this our universal credit has not paid us several...