I have been in my IVA for a year now and pay £332 per month. My debt is £30k. I have just done my annual review and it became clear to me & the IVA company, that my expenditure has increased (due to moving out of home & into a flat with my partner) and that on my current income I can no longer affor...

My boyfriend would not want it to be in just his name, and the estate agent said both our names had to be listed and both of us checked. He said he didn't think it would be a problem but since I started the IVA, money is all I think/worry about. My boss is listed as my reference and she hasn't heard...

Just forward it to your IVA people and ask them to respond. I didn't get any letters from creditors even to confirm the IVA approval.

I am moving into rented accommodation with my boyfriend and the estate agent uses an outside company to check our references. We completed online forms with all our details and they will also perform a credit check. This worries me as I have an IVA which I started in February 2008 and I'm concerned ...

Payplan

My IVA contract had a section written to say I could reduce my payments by 15% without the creditors meeting again. Have a look at your paperwork to see if you have something similar. Your IVA provider shouldn't be unpleasant, otherwise they're just as bad as creditors! If you really cant afford the...

I certainly don't want to rely on being able to miss payments, and I wouldn't do it without a damn good reason. I just like to know they're there in case I am made redundant from my job or something. I'd like to be able to have the security of a fall-back. I seem to be getting mixed advice from them...

They said I cant make up the arrears, it's all tagged on at the end. I wanted to miss one payment to afford a deposit. If I dont miss a payment I cant afford to move out. She said there is a figure that has been agreed with the creditors that has to be paid. If I get a pay rise and my amount to my I...

They said I cant arrange to miss any payments (like if I had an unforeseen expenditure one month). I don't want to miss any by just not paying them. I don't want to run the risk of my IVA failing and having to return to a DMP. I didn't like the creditors calling me all the time.

I emailed them back and they have now confirmed that I can reduce my payments by 15% without the creditors being involved as it was written into my contract as a future modification. The first woman who advised me must've been confused! They also just called to say if I reduce my payments and miss o...

I have an IVA with payplan which I started early this year. I asked them before I signed anything whether I could reduce the amount I pay later in the year as I was planning on moving out of my parents home and in with my boyfriend. I have now reached that time and they say that they wont reduce as ...