Completed our IVA at end of yr4 by releasing equity from property by secured loan high interest rate. Last year we tried to remortgage to get rid of the high hinterest loan but was refused. Thought everything was written off after 6 years, we still dont have an overdraft, or credit. We both work ful...

Good luck from me as well, don't forget to post how you got on.

I have to admit I was a little confused over the 15%, thanks for ironing that point out. I am going to arrange a valuation, really wished that i had know about the site four years ago. You are doing a great service. Will keep you informed how we get on.

HI Mel Yes the issue of us re-mortgaging was discussed at our initial meeting, however it was not clearly defined that we would be paying 100p in the £, although that is what we are wanting to do. However, the initial proposal shows that they valued our house at that time at £180,000 (four years ago...

You have mentioned a "variation" - how is this possible? Does this mean a reduction of pence in the pound due? All these adverts that are advertising wiping out 75% from the debts how is this possible, we want to pay back as much of the original debt as possible, without having to pay 25 years extra...

New to this forum, but into fourth year of IVA. Getting really nervous having read the agreement again and having read some posts. OUr verbatum statement states that if I own the property at the fourth anniversary of the arrangement, I shall obtain a valulation of the property and pay our share of a...

New to this forum and as we are now into our fourth year of IVA, the question of re-mortgage is making me twitchy. I have read the original agreement and this states that we should obtain a valuation of the property and pay the quity over £5000 into the agreement. It is a joint IVA with my husband, ...