having read your posts. i think you are all right and i should draw a line under it. the firm i was delaing with was glad brkes . advert on tv.. they sent me all the paperwork this morning to sighn and send back within 14 days, can i just send it all back with a covering cancellation to proceed lett...

my iva completed in march this year..i have kept my completion certificate, all my other letters and debt details have been shredded.. im pretty sure i can reclaim some ppi but the firm im dealing with have told me i need the account numbers.. can anyone tell me how i go about this and is there a te...

thanks for your kind comments, i have been an avid reader of this forum over the last 5 years and have found it invaluable for advice and for support.. i have kept my certiface of completion in a safe place but all my others letters and pay slips i have kept for the duration of my iva have been cere...

today i have recieved a letter of supervisers final report and a copy of completion.... is that my iva finished now.. i paid my last instalmant in march... do i need to do anything now

anyone know much tax will i pay on £2883.57 thanks.. its a figure from work they have offerd me...

i wrote toy you a short whle ago about thinking of taking volantary redundancy from work and using part of it to pay the final 9 months of my iva.. things have moved on a little since.. talks with the union and managament have resulted in a failure to agree.. they met again today. and talks once aga...

hi, i have 9 months to do on my iva.. i pay .£496 a month.. i have been offerd volantary redundacy at my work with a package of £23000 , will my iva take it all or can i just pay it off in one lump sum. im thinking of retraining so will need money to live on while i retrain /look for full/parttime...

hi, thanks foryour replys, i think were just going to have to sit it out and wait the xtra year to joint apply , least the iva paymants aftyer im paid up will gointo the deposit pot.... thanks again.

cheers thanks for that.

thanks for the reply,,, is it possible to get a settlemant figure to pay off the iva in full thus becoming free of the iva , could my ip furnish me with a figure if i so wished or do i have to wait the full 5 years to complete the iva ,

advice needed, im in a iva, 14 months to go, after my iva is finished and im debt free, how long would i have to wait until applying for a joint mortgage with my partner, currently the mortgage is in her sole name as the property is hers alone, in the future after my iva we would like to buy a new h...

just to let you know the crediters meeting to reduce my monthly paymants to £495 from £560 was passed with only 1 crediter refusing. but the iva synergi has charged £895 for doing it. do i pay that xtra or does it come out of the kitty that im paying into.. sorry for my ignorance...

david and melanie.. i will most certainly keep you informed of developmants. im so glad i joined this forum as i am a bit of worrier but you are so kind and reassuring and its a credit to both of you, im sure most people on this forum , myself included , would love to have either of yourselves as th...

i wrote a letter to synergi saying i do nt wish to agree an xtra year to my iva as i think 5 years of my financial life is enough. my circumstances might change for the better and in effect il be tied into another year for nothing, if i owe any extra at the end of the 5 years i said i will negotiate...

thankyou for your advice, so do you think i am in my rights to write to synergi saying i wish to resist an xtra year of my iva.. if i was to agree and my circumstances changed.. ie, back on 5 days and increase in wages then i would be paying an xtra year for nothing.. do you have a template letter f...