well youve certainly been given some great advice as above I would sugegst as well as Step Change, try another few IVA companies as mentioned above Melanie Giles is steeped in praise from all her clients both past & present; I would most certainly suggest you appoach Mels company also. I cant commen...

try as i have i cant quite work out what the issue is , so if ive misunderstood then sincere apologies you have not been asked to increase your payments last year and i suspect that they have done one of two things , these being 1) a mis calculation or 2) they have added the student loan repayment b...

well done its a great feeling isnt it

must be worth a drink tonight , that is if you havnt already done so

best wishes

hi paul

im now post IVA ( yippee ) but would agree with everything Foggy & Markiboy have said.

i was robbing mastercard to pay visa , robbing visa to pay MBNA etc etc , so know exactly where you are now.

good luck , but dont delay as this will see you stress more, than actually taking the plunge

hi there Nationwide were who i chose to open a new account with prior to commencing my IVA, so therefore my monthly IVA payment came out of my Nationwide account once my IVA was approved. Several times during the course of 6yrs my IVA ran , I was asked by the cashier if i wanted to " upgrade " my ac...

think Stephen hester is the poorly paid CEO or Chairman

T mobile from my personal experience and numerous success posts over the last 2 years on the forum indicate they are almost certain to say yes i got an iphone5 whilst still awaiting my completion certificate, with iva still showing as unsettled on my credit file at all 3 CRAs in september last year ...

hi Jackiec

the 6 year anniversary of my IVA was 9th July 2012

I recieved my certificate 1st November 2012, with the IVA still showing on my credit file at all 3 CRAs until varying times between Nov 12 & Jan 13

hope this gives you some idea of timelines

hi random lady

i might be missing something ? but why would you need to sign forms for the Ombudsman

Also , this inefficient company ( EIF )contacted me twice post completion certificate being issued. They are disorganised at best and inept at worst

hi skyline i know its easy for us to say stick with it when we dont have the stress you have currently; however i would suggest the fact that they have said there have been failings on their part, may hopefully see them want to make amends i would follow the advice above however and email them , as ...

well done brokebryn well done on gtting to the end not sure about payplans closure timescales; i suppose its very much linked to if EIF have finalised any monies to come in from PPI & paid over. Alas , my only experience of EIF has been to find them completely inefficient & disorganised, as indeed h...

great news

remember to cancel your DD or standing order, so that you cant accidentally make a payment in a months time

well done and best wishes

hi baldy good to hear your doing well and are well on your way I still keep an eye on whats going on in the media re IVA's and debt in general and it seems to be that slightly less people seem to be going down the IVA route & possibly slightly less personal insolvencies. i do beleive there may be an...

hi picklepants most of us worried when the first review came as it was the unknown. some of us still worried every year at review time but they were always fine. I was with DFD & in fairness i can say i never waited longer than 5 working days after posting everything back before they contacted me sa...

hi dunkynuts most important thing is when ( if ) this happens to contact your iVA co immediately when this happended to me 12 months into my IVA and my take home pay was reduced by £1000 a month , my IVA co arranged for my month; payment to be dramatically reduced i managed to make my way to the end...