Thank you. Yep not easy will be relieved when the final payment is made x

Hi all. I am in the final countdown to my last payment, 6 years in. I have not been asked for financial paperwork this year. I presume they send out a certification of completion? Do I need to do anything with this like send to my creditors or is that done by iva company? X

Barclays do an account with a debit card for people in our position. They were really helpful. Good luck x

Thanks Melanie. I've have spoken to them and they have explained in more details hopefully creators will vote for an extension.

Thsnk you x

They have also asked if I am sure I want to go ahead with the variation. I am only doing this on their request

Thanks. I'm happy to pay the 12 extra months just was concerned that it was so close to my completion. I hope that this will come off my credit file as satisfied

Thanks foggy. I have however been chasing this problem since the keys were handed back jan 2012. It isn't something I have ignored as I wanted it resolved. I guess another 12 months is not so bad. Just disappointing when I only had just over a week left and was planning to move etc. all now has to b...

My concern is they are asking me to request 12 months extension rather than other way around.

Hi thanks. It's over 12 months. That is the total. No iva was just me. Ex no lives in France and ignores are letters asking for money.

Hi all, I thought I was at the end of my iva. 5 long years my final payment was due this month. Yesterday I received a call from my iva company advising me I need to request a 12 month variation due to shortfall on my house handed back to building society over 12 months ago. Can they do this? The sh...

Thanks. I don't understand about the default? Would this fail my whole iva?

Good evening everyone. Can anyone help me. I am in my final year of IVA, however due to relationship breakdown and mortgage debt we handed the keys back to the building society. However they have just sold the house for £126000 but the outstanding mortgage was £193000... Yikes. I spoke to the IVA co...

Hi all, I am approaching my first annual review. My that first year has gone quick. When i took out the IVA my salary was £1000 and my partners was £1500, my iva payment is £277. However since Jan of this year my partner has been unemployed, therefore we have lost his salary, he gets job seekers all...

Hi all, well it seems my IP isn't as understanding as you. I spoke to them and explained the situation, they have come back today that I have to pay £800 into my IVA and get to keep £500. This has left me baffled as we have no money coming in apart from mine and we have to borrow money each month fo...