I completely understand why no one puts email addresses on here! I think I was so exhausted reading all the blogs, and trying to assimilate all the information, I forgot to click on 'Reply'!!! Kallis, I am enjoying reading your blog, but rather intrigued about the 'op' of which there is many mention...

[:I]Thank you to everyone who has responded today - to Melanie, Kallis,and Fergiedoggy. I tried to respond to you all personally but could not find the way!!! On your collective advice, I will call my IP tomorrow and see if my IVA payments thus far, would qualify me for a discharge from the IVA, or ...

Thank you for trying to put my mind at ease; Melanie thinks bankruptcy might be the only way forward. I have paid almost half of the IVA, and now that I am unemployed, I do no have the income to carry on paying. I have written to the supervsior to advise him, and I await the outcome. At 60 I did not...

I began an IVA in February 2006,and have made payments totally around £16K of a £70k debt. I lost my job in July last year and I only receive enough (including my state pension)to cover mortgage and bills. I am now 3 payments behind on my IVA and I realise it could fail. I have recently submitted my...

I am new to the site so have taken some time to have a look through some of the blogs. A thought occurred to me as I was reading...almost all my debts were covered by a Payment Protection. Are the IVA supervisors able therefore to claim this insurance to set against the debt?