Hi and welcome

The CCJ will have to be included in any IVA but the charging order will remain

On paper you seem to have the possibility IVA so do speak to several companies/experts and explore all options

Regards

Hi

I think it will be fine to make final payment plus all the outstanding as soon as you can



Regards

Hi

Great news and I am not surprised, the key was the fact that your wife's income will drop so your payments into your IVA would reduce significantly

Well done

Regards

Hi

No problem in naming people who offer great service, the nature of this forum is that praise for individuals and companies can be very isolated

Congratulations on making it through to the end and I am sure that David will follow your email up with some urgency

Regards

Hi and welcome It would be unfair if your IVA was to fail now If your have no disposable income between you then your IP should ask your creditors to accept payments to date as full and final settlement Please speak with your IP and demand that they go down this route Please keep the forum updated a...

Hi and welcome

If the debt is just in your name then just you will be liable and the whole debt will be listed under your name, your husbands debts would just be the 7k

Speak to several experts/companies before deciding on a solution

Regards

Hi I think you could have a CIFAS marker placed on your credit file, my understanding is that this will put a stop to any future lending for a long time My advice to anyone post IVA looking for a mortgage is to use a good broker such as Shaun or Ryan, they may legitimately be able to find lenders wh...

Hi

The moderators on this site can't support the advice to say NO when asked a direct question in a mortgage application
You are however free to give your own advice and it is for the reader to make their own informed decision

Regards

Hi Any windfall whilst in an IVA has to be declared as others have stated, a windfall once an IVA is completed should be exempt unless there is an agreement, for example, that PPI claims[an actual unrealised asset during the IVA] have to be paid post IVA The key is to be open with your IP, most pens...

Hi and welcome

It is unlikely that you will be able to secure car finance when in an IVA, before you start applying for any finance let your IP know

Regards

Hi

Well done for getting to the end of your IVA
Just wait for your final payment to leave your account, confirm that no further payments are due with your IP and then cancel your standing order or direct debit

Regards

Hi Your Sky and mobile phone contract should not be affected by entering into an IVA, however if you try and change mobile phone provider once your IVA is live then you may find it near impossible to do this Speak to several companies/experts before going ahead or not Good luck Regards

Hi

Just to add my agreement that your health is far more important than anything else and I am sure that creditors will agree that a fulltime job is enough for anyone

Good luck

Regards

Hi A bit of a grey area I'm afraid as companies seem to interpret the equity clause and the 5k clause in different ways If a secured loan option was not part of your original Chairmans report following your original IVA meeting then I can't see how you can be forced to agree to this unless you have ...

Hi

Do keep checking with your IP that you no longer have to make payments and they are in the process of closing your IVA

Who are you with ?

Regards