i dont think renting would be an option, our mortgage payments have jumped from £160 to £512, which i still dont think i could rent a house big enough for my myself, my husband and 5 children! ive worked out 15% of £546 brings our payments down to around £464, i shall have to see where i can cut cor...

thank u melanie, ive been dreading someone telling me its my fault for not bringing it up, but it just didnt occur to me at the time! (i know that sounds daft, but i just didnt) We are currently paying £546 a month and im pretty sure the creditors arent going to let us drop by £350, but anything at ...

ok thanks for the info, can you tell me whats involved with a variation meeting? does this mean the creditors vote again?
im totally stressed out with all this and just dont know where we are going to find the extra money.
thanks for all your help,
joanne x

no it wasnt something i thought about at the time with all the stress i was going thru, i just completely forgot my mortgage was going to be going up at the end of the year!
i was just so relieved to get the iva.
what can the IP do, if anything?
many thanks, x

hi there, I have had my IVA since may this year and so far so good. Only problem now is that my mortgage is set to jump up by a further £350 a month as we had a special rate for 3 yrs which has now ended. I dont know what to do, we have tried finding a new mortgage deal but every broker ive spoken t...

thanks for all your kind words. I have just spoken to a very nice lady at Synergi and she tells me our creditors are looking for an increase of £21 a month, which is fine and theres also amendments to be made to the Fees, which a couple of you mentioned yesterday. Apparently once she receives approv...

do u think its a good sign that mods have been asked for?

thanks for your support, ive calmed down a little now but i dont know how im going to get thru the weekend, i was counting on knowing one way or the other, now i still feel in limbo. At least it wasnt a definite no, and im trying take positives from the fact that modifications have been asked for, s...

hi there, ive kinda been lurking on the outskirts and reading avidly everyone elses posts but only registered myself today. Myself and my husband have been going thru the IVA process since early feb and our creditors meeting was scheduled for 3pm today. I have been shaking with worry all day. At 445...