fantastic news hope you enjoy it, really pleased for you .xx

hi fd, we stopped paying our creditors whilst the iva was put in place, but kept them informed on what we were planning to do,it is probably best to take advice from your ip. take care .xx

thanks david, i think melanie has answered my question,but still wondering is it benificial for my house price to rise, obviously it is for the creditors, as i pay more off, but my understanding is i cant remortgage for more than 50% what we are paying into the iva, (sorry really tired tonight, mayb...

only just, will have to read everything again, thought i had covered absolutely everything, i cant recall anything, just the equity release figure. i am sure it has been explained to me , obviously my mis understanding.

so effectively, it would be better if my property did not increase in value.(still a bit confused, sorry)

melanie, the equity release, agreed at the start of the iva, is that worked out on what the house is worth at the time and if the value increases, does the equity release? bit confused.(is it a % of the value when you look to re-mortgage)??

[:D][:D] thanks for that ray ,been reading some posts tonight and they have been so negative, glad i stayed on to read this, gave me a chuckle.xx

watching the news today i got the impression that although there has been a cut in intrest rates, not all banks are passing it on to the borrowers, n/r being one of them.[:(]

i am so sorry you have not got the news you wanted but stay positive and hopefully n/r will reconsider, take care. abby. x

best feeling ever, congratulations from me too. xx

keeping everyting crossed for you, the best of luck. xx

i remember making my first call like it was yesterday, i was in complete despair, that was the middle of july, i now have my iva in place, and i cant describe the weight off my shoulders, the relief of actually sorting my debts out and being able to look forward. you do need to change bank accounts,...

i informed all my creditors directly, there is a template letter you can use on this forum,x

it may be worth saying something but whether it will sink in or not is another thing, i think a lot of us bury our head in the sand until one day you wake up and realise that things are serious, and something needs to be done, it sounds like she is not at that point yet, but sadly it will happen and...

hi stressed 1, i originally chose a different company to deal with our iva, but gut feeling made me do more research, and i found this site and decided to change, i have gone with melanie and her team and have absolutely no regrets,i probably prolonged our outcome by quite a few weeks, but i would r...