Do you have email details for them? I really want to get moving on this. Thanks

I have finally completed my 6 year IVA and am waiting on my Certificate of Completion. My question is will it be shown as competed on they day they complete the final review OR the date my final payment went? This will impact on when I can start mortgage applications.

Yes - this is the only way we see to get a bigger property. Have had no joy with prospective mortgages

I am about to complete my IVA, need to move but obviously can't get a mortgage. Can my husband who was not involved in the IVA buy my house so we can rent it out?

I have checked my chairmans report and it says that I have to remortgate in my final year and release any accrued equity up to 85% of the value of the property. Why would they put it in if I am unlikely to be able to do it? is it a precurser to extending for another year?

Sorry for asking further basis questions....but here I go anyway. When it states that you have to remortgage for up to 85% of the value of the property.....does this mean that if your house is worth £120K, the most you can remortgate upto is around £100K?

I am completely dumb on these things.........what 15% rule is that?

I am just going into my 3rd annual review

This may be a stupid question, but I have seen lots of posts stating 'iva protocol'. What does this actually mean? The terms of my IVA seem to differ greatly from some of the posts on here. e.g I don't have the 10% rule on additional income, I split it 50/50. Is this common?

Sorry Melanie, I don't quite understand. I have checked the terms of my IVA and it states that the supervisor must ensure that I am paying what I should, but that they may increase the payments should my salary increase. I do understand and appreciate this, but just wondered what dictates the increa...

Sorry Melanie, I don't quite understand. I have checked the terms of my IVA and it states that the supervisor must ensure that I am paying what I should, but that they may increase the payments should my salary increase. I do understand and appreciate this, but just wondered what dictates the increa...

Hi, my IVA was approved 3 years ago and I have been lucky recently to receive a substantial promotion and payrise. I have always paid 50% of any additional income into my IVA. My question is whether this will continue or is the IVA likely to be renegotiated? does anyone have any experience of this?

I am assuming this is per month?

Is there a set amount that they allow per person on food then? I would be interested to know how it is calculated. Or is this part of the CCCS guidelines

when my IVA was agreed, they said they would only need to see proof of hubby's income at the start as the IVA is mine alone.