Fantastic news louhad1974!! Can i just ask, how many payments did you pay into your iva? The reason i ask is that i may be in the same sort of situation in the coming months! and it is starting to get me down thinking about it constantly, I am suposed to introduce a lump sum into my arrangement whic...

Hi Foggy, no, there is no one in the family who could help either! it seems so harsh for him to have to suffer because of my mistakes.

Hi,my son is looking at a student let for his 2nd year at uni,we have been asked to be be a gaurantor, which we obviously cant be,has any one here been in this situation, and if so how did they manage to get round it,both my wife and myself are in iva's.

Thanks for that everybody, Can you explain how the de minimis clause works?

Hi all, My wife is now in the process of needing to remortgage as part of her iva, have had a valuation on our house and it looks like very little equity,we have seperate iva's , and mine does'nt include remortgage. Can we do it online, can anybody recommend any companies that will even touch people...

Thanks for all those replys guys, my wife has been in contact with her supervisor who has said that the people she has been talking to had no right to try and persue the personal loan route!!! So, now to my next point, can someone help with my calculations, we have a £110000 mortgage, house is proba...

sorry, that should read MONTH 54!!!

Thanks,paperwork states, at week 54 attempts must be made to release home equity by means of a remortgage.

Hi all, Back again! Both my wife and I are in iva's although not joint, A condition of my wifes iva is to attempt to release equity from our house, not got a problem with that. Does equity release mean re-mortgaging, or does it mean being offered a personal loan, these people have offered a loan to ...

thanks for that Michael, I appreciate your time

Thanks for that reply Michael, So so does that mean that I am entitled to the 60% that is left?!

HI Michael, I am with yourselves

Hi all, Have heard from a friend who is also in IVA, he has been through the ppi process, and a refund has been sent to his IP, who have in turn told him that he is entitled to a refund of "the statutory interest" which totals £677.00, I have also been through the process but have as yet heard nothi...

thanks for the replies guys, another problem is that i only have about £6000 equity, wont they see that as a problem?

sorry about that . must have pressed the wrong button!!!! anyway as I was saying, my interest only mortgage has 6+ years to run with no way of paying it off. have been in iva for 64 months (8 to go) and was planning on selling at the end and renting. my problem is my mortgage company have now sent m...