Hi, I also feel shame and I have been in an IVA for the last three years. But try to remember when you could not go out or buy something new because you were spending all of your money paying off cards and loans. God I remember having to pay one card with another and making the excuse because things...

Many thanks for the advise.
I will be speaking to my IP next week as I have a long awaited week off.
If all goes well with him I will call Andrew.
This site and everyone on it is a massive breath of fresh air to me and my wife.

Cheers...

Hi all, Just to let you all know that 3 have been ok with me so far. Had contract before my IVA started. I have upgraded twice with no problem (saying that they will proberbly write to me now and terminate...lol). Even when my phone was stolen and had to go through the insurance, this did not stir u...

Hi all, I am looking at the possability of an early remortgage to clear my IVA. Even if I can not do this now I will have to look at this in the next couple of months anyway as stated in my conditions. My question is - Where can I go for the best deal or is there anyone out there that has had a good...

Hello Ang, Know just how you feel. My wife and I work very had and we still feel at times we are not getting any results. My friends all have nice houses and new cars and go on fantastic holidays. Not long for us to go now with the IVA so I just keep saying to myself "A FEW MOMENTS OF FUN CAN COST Y...

The £20,000 is not included in the IVA. I have not approached anyone yet. Our mortgage is £66,000 and the value of the house (for IVA purposes)3 years back was valued at £85,000. I know that house prices have dropped and I am only guessing that its value currently is still about £85,000. Hope this h...

Many years back I used this company that act as a leech on the vein of the poor and desperate. Had to get my car fixed and paid it off 4 weeks later. Little did I realise how much interest was added on. Why does the government stop this? IVA's made available to help people, but this is still availab...

Do the below amounts add up to a possible remortgage and early settlement. I have been paying my IVA since October 2005 (35 months). Original dept £42,639 IVA states - Total anticipated receipts £22,680 (including fees). Amount paid to date - £11,426 Monthly payment - £497 Estimated possible equity ...

We decided that at the start of our IVA we would take a serious look at how we use the little bit of money last until the next pay day. We have several envelopes labeled - Petrol Entertainment Bus fare Kids And the list goes on. Each month when we are paid we have a set amount to put in each envelop...

Hi, This is my first post on this site and looking at the postings it is very good. My IVA should finish in 13 months and part of my agreement is I have to remorguage at the end. It has been hard but it has also been the best step I could have made. My big concern is who is likely to give me a remor...