hi all been in a iva since august 2006 all is going so well paid in 46 months now only 14 more months of payments and then debt free forever.but i am scared about all of these cuts the govt are doing and i might not be able to complete my iva if i loose my job what opions are out there if my iva fails in any way.i have no breachs i paid in overtime at 50% as it states my iva stated 38p in the pound stated at £265.00 and shot up to £319.40.i welcome any help and advice
Hi and welcome to the forum. Well done on completing 46 months you're very nearly there. I keep looking at the government cuts and having a shudder but hopefully they won't affect us too much. If you lost your job there would be options and hopefully that won't happen and at this stage in your IVA it wouldn't be in anyones best interst for the IVA to fail. xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
thanks lesley its not been easy the first 12 months flew by and they it went slow but its now getting fast again i have 2 reviews a year going though my income and expences form. my ip and been very good to me and i chose one of the top companys in the country so i know where i stand how is you iva going lesley
Mine is going well too thank you, I struggled initially due to bad luck out of my control and ended up in arrears almost from day one but now they're caught up the extra monies each month really do make all the difference. I'm about to make payment 30 so half way for me. I'm with Melanie Giles who posts on the forum and I can 100% say she is a brilliant IP. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
i am with freeman jones i have never missed any payments and when overtime was offered i did it and gave 50% over i have had 5 managers over the 46 months so far looking after me i owed money to lloyds tsb ,hfc bank , and mbna
lloyds still have the debt of mine and wont sell it on while mbna sold the debt right away once my iva got apoved and then 2 years ago hfc then sold the debt so my main crediters is max recover who brought the debt of hfc and mbna.
my ip.lesley is JAMES CAMPBELL GIBSON
Do try to not worry about things that have not happened yet. It is very unlikely that your IVA would fail if you have made 46 payments to date, and with each months payment this brings you closer to the end.
