My last payment with McCambridgeDuffy was early January and my Completion Certificate was in my hands in less than 3 weeks. Now thats what I call service.

I checked my credit score as my IVA finished it was 891 and marked as good. I tried to get a credit card just to start and rebuild my credit rating it was refused. I tried to get an overdraft at my bank, even though i get paid 2.5k a month, they wouldnt give me a £100 Overdraft!!! so it may take a w...

I felt I had to congratulate my IVA company, as I am always reading on the site, people asking for recommendations for a good IVA company. McCambridgeduffy have always been very approachable and willing to answer any questions I had, even the stupid ones. I paid my last payment of my IVA on the 5th ...

I've just received my 4th year report, no uplift in payments, 10 more payments till debt free for ever!!!!

Kallis3. There would be no problem maintaining the payments, but they would want ALL of the Overseas allowances that we recieve while serving abroad. I know this to be true because I was overseas when my IVA journey began.

Andy.
Your doing all the right things to repair your credit file but unfortunatly until that 6 year point from IVA acceptance, your previous debt history out weights this. Ive just been offered an overseas posting, but I am trying to delay it till after my IVA completes.

Hi Andy. Like you I am military and have 10 months to go on my IVA journey. Really cant wait. I plan to put all my IVA payment into the best saving account I can find and just watch it grow for a couple of years. You will also be able to apply for LSPA of up to £8500, Which can be used to help towar...

Thank you Michael and Mel, I was just a little concerned I was advised of the situation. I also had not been sent an I & E but that now has been addressed.

I have just phoned my IVA company as I had a question about my annual review. My supervisor has left the company!!!!!! where does that leave me?
Why was I not notifid of this matter?
Melanie you know this company well whats your advice?

Sorry. I mis read the thread must have been late!!!

Would shares not be treated like endownments and other assets and paid into the IVA at the begining? If they are surely you cant use this as a full and final settlement!!

Hello.

From the figures you published house price and mortgage outstanding you are not insolvent so im sure you cant enter an IVA.
But im sure one of the experts will advise you accordingly

Sorry Mel, he said he had a loan and a credit card!!! I thought you needed 4 creditors to have a successful IVA!
If this is incorrect im sorry

Are you renting already? and yet to start an IVA?
The rent will be part of your monthly outgoings so as long as already mentioned its not above the local norm(price wise) it should be ok.

Do you have more than 4 creditors? If you post more details, one of the experts will give you more advice.
I think there will be a lot more buy to let investors in trouble with the credit crunch.