thanks kellis - it was the hardest 3 years of my life and i learned the hard way - now i have to concentrate onrebuilding my credit rating - i think the only debt i will ever have now will be a mortgage...even when my credit rating is repaired i wont be taking on loans or cards etc..they spiral out ...

Hi all i was very lucky - my parents gave me the cash to pay it off as it was killing me..i was on the verge of redundancy and was on the edge of selling my property and moving back in with my folks... i am having to pay them back but its a lot less per month than my iva and job now secure so i can ...

hi i completed my iva early - completed after three years instead of 5 - i have just had my certificate of completion and am very happy. What do I do now? I know that IVAs stay on credit file for 6 years but can i at least get my completion date posted on my file to show that i settled early? will t...

woo hoo!!!!! certificate of completion received today!!!!!!!! free at last!!!! my christmas has come early....thanks to everyone who has offered me help and advice through my gloomy confused days - i really appreciate it xxxx

[?]hi i comple ted my iva early - completed after three years instead of 5 - i have just had my certificate of completion and am very happy. What do I do now? I know that IVAs stay on credit file for 6 years but can i at least get my completion date posted on my file to show that i settled early? wi...

hi all thank you so much for your advice and support - my F&F offer got accepted - i am over the moon !!!! thanks xx

thanks all...its been tough - cant wait to be free - you've all been so supportive and helpful - i wish all the best of luck too x x x x x

[:D]hi all just to update you - my F&F meeting was today and it got accepted....so i have settled 2 years early!!!! i am over the moon and feel like i can breathe again...just want to say a very very BIG thank you to everyone who has given me help and advice along the way - its been a tough 3 years!...

hi all quick question - my F&F meeting is soon - the company that i am with says that i stand a good chance as offering 21p in pound against 25p in pound to settle 2 years early and no equity in house. what happens if my f&f is rejected?? do i just carry on as before??? or does this mean my IVA fail...

i hope so...thanks all - isn't it so difficult - you feel like your life is on hold - its such a difficult position and i know once this is cleared i'll never have debt again, no credit cards, no overdrafts, no loans - because its great when all the credit is being thrown at you but the minute your ...

hi all just to update you on my progress so far - i had house valued and there is no equity (well 3k but by the time i paid remortgage fees it only left approx 1k that i would have to split with housing assoc as shared ownership) - therefore I offered £9500 - my IP have been very good and said that ...

thank you all your help is appreciated i will keep you updated on my progress

tHANKS dAVID, WHAT HAPPENS IF THEY COME TO VALUE AND THERE IS EQUITY - I HAVE NO IDEA HOW MUCH EQUITY THERE IS GUESSING ITS NOT A LOT BUT I'M NOT A PROPERTY EXPERT. ITS ALL SO CONFUSING. I HAVE OFFERED 9.5K BUT MY IP PROV SAID PROPERTY MUST BE VALUED. BUT I DONT THINK I WOULD RAISE A MORTGAGE BIG EN...

hi - me again sorry - i have read lots of things on here about 4 year equity release - as i mentioned earlier i have this clause - will this affect my Full and final settlement offer?? thanks

this sounds strange..i live in shared ownership - but who i place my mortgage with for my half of the property is totally up to me. as long as you pay rent on the other half of the property then the shared ownership housing agency surely cant tell you who to remortgage with..its your personal financ...