I sympathise. I finished my IVA in June this year, waited just under a month for Completion certificate from the excellent McCambridge Dufy team so it is possible

Hello, hopefully you have time to seriously think about this. It is morally right to repay debt or as much as you can from what can be realistically afforded.I have just completed my IVA and it has been difficult but i feel I have made the best efforst to repay what I borrowed based on income and ot...

Excellent. Just got my CC too...what a feeling as they say. Congratulations and good luck

Hello, I haven't posted for a while but just like to say that at long last I have come to the end of my IVA roadtrip. I received my completion certificate just 6 weeks after our last IVA payment. I would like to publicly saty thank you to mcCambridge Duffy LLP for their professional and supportive s...

I would echo the concerns to be careful. We voluntarily offered our house back to the lender in 1988. We had insurance to cover any shortfall to the mortgage company but then the insurers wanted to claim the shortfall off us. They didn't contact us until 7 years after this by which time we were livi...

Just an update. Spoke to McCambridge Duffy yesterday who were very helpful, made a note of my concerns and spoke to the IP, rang again today and they have aken into consideration the loss of self employed income balanced against the increase in PAYE for the same period so nothing to pay. This reinfo...

Thanks for the replies, I don't really post on this site often but look at it about twice a day...an absolute life line and the input from the experts like Melanie, Andy michael and others is worth its weight in gold. i will be able to contact McCD today and hopefully get this resolved.....10 paymen...

Just had our end of 4th year review with McCambridge Duffy who so far have been excellent.....however have now asked for a payment of £1850 as 50 % of my wifes increased income from her PAYE job but don't seem to have taken into consideration the reduction in her self employed income for the same pe...

Hi, It has been a few years since I last posted so have had to re register as I cant remember original log ons! I had to undergo highish level security clearance/official secrets act etc with DVA and whilst I had to submit additional information there was no problem. i had a yearly review for two ye...

we are losing a big chunk of our self employed income at the end of February which means from March we ill be about £350 a month down. How does a payment break work. Hypothetically if we asked for a 3 month payment break whilst we try and replace the lost work would those 3 months just be added to ...

Hi, mine was approved a week ago, congratulations and good luck. If, like me, you probably feel a huge weight has been lifted off your shoulders. It will be hard but we all have light now at the end of our tunnels.

Hi, mymonthly payments are £391 for the first 10 months and then drop to £350 subject to pay rises, cost of living increases ets. The xtra £40 for the first 10 months being as a prepayment for tax for year 2008-2009 as some of our combined income is from self employment.With Cap 1 and MBNA, I had be...

Good luck to anyone planning an IVA, regardless of why we got into debt in the first place, an IVA is the road to getting your life back. My application was approved, for information based on a total debt of approx £33,000 Egg-----Yes 13% HBOS-----Yes 26% HSBC----Yes 32% RBS-----Yes 11% Capital One-...

My gosh, just phoned my IVA company, all ACCEPTED just waiting for my IP to ring beack with all the details etc, feel shaky at the moment and feel as if a weight is slowly being lifted off my shoulders. Will update creditor voting details etc as I get them. Thanks for all messages of supoport.

Well at last we have a creditors meeting on Monday, I can only hope and pray that the proposal will be accepted. just over 40p in the £ dividend being offered, creditors HSBC, Halifax RBOS, MBNA,Tesco,Style, EGG and HMRC. Will let you know on MOnday afternoon.