Hi all, long time since last posted, we also received this letter today, same as others, the postmark is somewhere random, nowhere near Cheltenham. Can't believe that after two years of being invisible, something like this drops through the door. We are currently moving house and wouldn't like to th...

Hi Jason, my dates are exactly the same as yours. The IVA came off the report fairly quickly after completion for me, and this should have been sorted out for you by your IP as it is their responsibility to inform the insolvency register to get it removed. I was in the exact same position with Capqu...

Hi everyone, we received our completion certificates last week, should we start sending copies off now or wait until the IVA has dropped off the insolvency register? Not in any rush to get any credit yet, the six years is up in April next year. Already managed to get a mobile contract with T-Mobile ...

Hi Borneo, sounds like you could have the same paperwork we have just received. If it has a list of payments made to all creditors, it is more than likely the paperwork for the final meeting summary and not your completion certificate. Just been on the phone now and had this confirmed, our cert will...

Being in an IVA makes people realise the true cost of a realistic Christmas. As others have said, you see people with arms full of bags more often than not paid for by plastic, and more so after Christmas in the sales. The first year is always the hardest when you are being weaned off the cards. The...

We had the full cover when we first started the IVA, we dropped the electrics cover off after a year to cut the cost down a bit. Unfortunately it's one of those, "damned if you do (expense) damned if you don't (boiler dead)". Our system is quite old and we have relied on British Gas at least three t...

Thanks for everyones input on this, as I mentioned in my initial post, we would be willing to sign away any rights to any post IVA PPI claims if this would satisfy, to stop later problems holding up completion. Any PPI we may have had in the past is exactly that for us, in the past. I don't think th...

Hi everyone, please excuse me if this question has already been covered as there are so many search results for PPI it would take too long to go through. When we had cards and loans, we only took out PPI if we thought we would be better protected based on the loan amount. We were never pressured int...

Not posted in a while Mel but congratulations on this fantastic achievement. You have given more advice than you may know over the course of our IVA and it has been greatly appreciated - well done [:)]

Thanks for all your help [:)]

Hope I haven't confused this one,my question is with regards to the end of the extra years payment (6th).

Hi everyone, hope you are all well. As the 4th year remortgage is closing in for a lot of people, we wonder if you could clarify something for us. We will more than likely be in the same position as most and will be unable to remortgage and have to pay in for a further 12 months. Is this all we have...

Hi everyone, hope you're all coping well and sorry for not posting for so long. I do look in regularly but never seem to get the time to post anymore. The experts and mentors are doing a great job and I can see the by the number of new members how busy it is now on the IVA front. We are just in the ...

The fact that Melanie hasn't responded up to now shows how much of a professional she really is. As many others have said, the advice she gives freely is in the main, to people already in IVA's with other IP's. Everyone is entitled to their opinion, but you need to back up accusations with solid evi...

Hi there, sorry to hear you're having problems, I'm sure an expert will give you advice on this soon. I can't understand how they agreed to your IVA over a year ago but are now disputing the amount, surely this would have been covered in detail at your creditors meeting and should have been fetched ...