www.iva.co.uk

Hi,

Still no annual review and well past the 14 month point. I'm making payments each month and my circumstances haven't changed. But I did wonder if any of my creditors might make a fuss. Most are still updating the credit reference agencies each month. Or am I protected by the IVA notice showing boldly on my credit file.

As discussed before there is no dividend until the end of year three (and then only 10p in the £)and my guess is no claims have been verified by the IP as yet. Maybe there will be a sudden flury of activity then. Their total fee is capped so maybe they're keeping cost to a minimum.

Should I worry? I've got used to not worrying about money anymore. Who would have thought.

regards and thanks

Have you not even received a copy of your annual report? I suggest that you ring up the Supervisor and ask them to send you a copy as soon as possible.

Do you think they will have done one? They are very busy with all the new business I suspect.

I have thought of contacting but am so wary of causing a fuss. I've got used to an easy life these days. Financially anyway.

I suppose bottom line is I just need to be sure there can be no come back on me.

I am also a bit concerned about how they might deal with a full and final settlement offer when I get past the 24 month no variation point.

regards

If an IVA company doesn't conduct the annual review at 12 months but several months later, are any increase back dated to the 1 year due date, or do they take effect for future payments only.