hi all yes he did get redundancy pay, but used it to live off, he has not really paid that much into his IVA since last december when he was made redundant, he has used his paymrnt breaks in the past i think 3, IP has told him he has until 17 of this month to pay what he owe's them, or they will go ...

Hi, have a friend who has 18 months left on his IVA, he was made redundant last december, he has now 3 months behind on his payments, and informed is IP he will not be able to pay anymore has he is unemployed, what is likely to happen from this point, he does have a mortgage but this was not part of...

hi guys iva excepted on the 23rd december im over the moon,i would like to say a big thank you to melanie giles and her team, they have been great all the way through, very approachable people and any questions you need answering they will answer them on your own level not confuse you. so again a bi...

hi guys i have now spoken to mealanie and her team in depth, what such lovely people which is exactly what i had been told, after speaking to melanie giles and her team i would like to appologise to them all on being inpatient and not having enough faith in them to do there job, i have found out tha...

hi thank you for all your responses, yes i do understand im not alone and must be more patient, there is just so much stress at home thats all and when you keep reading posts about IVA'S being done in 6 weeks it makes you think, why is mine going nowhere, any way after reading your comments i am put...

hi all why is there such a difference from one IP to another, i have read so many times of clients getting the IVA'S done in a matter of 6 weeks sometimes less, where my IP i have not heard from in 5 weeks, only contact i have is when i send a email and get told IP is still looking at it, i really w...

hi guys first of all thank you for the response, yes i am stressing over it all and of course i want it done as quickly as possible, im sure im not there only client, but now its been 3 weeks since i made contact with them and as you are aware you are told 6-8 weeks for completion, i dont think mine...

hi all i have sent my signed forms to my IP, just wondered how long it should take for them to get back to you propossing an iva, been 10 days since i sent my papers including income and expenditure just not heard anything from them,signed form i sent was them to act on my behalf, so how long does i...

hi guys
thank you for the replies, puts my mind at ease a little, not looking to move at the momment but just incase my landlord says he is selling up or something needed to know where i stand.

again thank you.

hi guys ok if your private renting and on an IVA,what happens when your let agreement runs out and you need to find another property, is this going to be a problem with letting agents because of the IVA, would i be stuck for some where to live. many thanks .

hi natwest is my main creditor, i have a balance of loan of £29995,00 including interest, an overdraft of £4000 2 natwest credit cards one £2050 and the other £995.00, and an egg card of £2500, and a tax bill which has to be paid by the 31st january 2009 of £1400. many thanks.

hi kallis oh i dont know nobody as mentioned this to me, i have a bank loan ,overdraft, 3 credit card debts but 2 of them are with the same bank as overdraft and loan, i do hope this is not the case please someone tell me i can do an iva . many thanks.

hi guys ok i have £40,000 worth of debt only 2 creditors, main one my bank , the other credit card with someone else, i have spoken to a few iva companies, i had to take £500 cash of my overdraft yesterday so i can pay the rent, my credit card got used for shopping, i have a overdraft limit of £4300...

hi guys
thanks for the replies.

hi i have decided to go for an iva, problem being so many companies offering them, i have spoken to a company called payplan and they sounded ok, do you have any info on this company are they trust worthy.