So feb 2013 will be 6 years from the start,I was hoping to get my cert and everything finalised otherwise it will go on my record for another year? Basically I started my full and final payment offer nov 2011, it took them until July 2012 for them to accept my offer,which I paid,and my IVA was going...

Hello, I made a full and final payment on my IVA in July,I still havnt recieived a cert of completion,I've spoken to Payplan and they seem to be dragging there heels and telling me its something to do with VAT?? I paid it off early so I can try and improve my credit rating,I need the cert ASAP,can I...

again,thanks everyone for your replys! i spoke to the IVA lady this morning and as far as i understand i can move out and my living expenses can increase,as long as i can still afford to contibute,she did mention that when my review comes along,i will be able to submit higher expenses due to the ris...

cheers andy,

so you are allowed to increase you living expenses/outgoings? will they tell me that,no you cant move out because its a waste of money,you need to stay in your house?

cheers,
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Thanks for your input everyone,its a bit of relief to e able to talk to people in the same position!i have a lot of questions! Melanie,a quick question,i own my house with a friend of mine,if i want to move out and into a rented prperty with my girlfriend,is this possible?i would be able to rent out...

My situation when i started my IVA was alot different to waht is now,i had got into debt whilst training for a carrer,when i started my dream job i was getting paid very little,which means my IVA payments were only £230,a year down the line i have recieved a pay rise which means my payment is going ...

Hello,ive nearly completed my first year of an IVA,just a few questions,RE savings,i have opened a savings account and plan to put a little money in each month,can this money be taken from me by the IVA/Creditors when they see that i have spare money?also,if i wish to get married/start a family,what...

Hello,ive nearly completed my first year of an IVA,just a few questions,RE savings,i have opened a savings account and plan to put a little money in each month,can this money be taken from me by the IVA/Creditors when they see that i have spare money?also,if i wish to get married/start a family,what...