Sorry about that, that was just me being negative again!!!!.
To be honest Debt Advice Link, and Debt Lifeboat have been both brilliant towards our case so far, just seems to be going a lot slower than other peoples cases on here. But like most other posters, you should explore more companies, but I found this site after I felt commited to DAL and DLB. DAL have taken a lot of the stress away from us and dealt directly with our creditors, which I suppose this is what we are paying for!!!.
I am really appreciating your help, guidance and comments.
If I had found this site first, I certainly would of come to you Mel.
F&F accepted 12/8/13 - Awaiting Completion Certificate
Thanks to everyone for your support. Could'nt have done it without you.
Debtlifeboat are great at the paperwork side of things and on the phone as well, but trying to get hold of the IP is near impossible, im in my fourth year and as yet i haven't spoke to my IP at all, he seems to be guarded by his PA's.
When it comes to Annual Reviews, my OT and Payrises they have worked with me and worked really well, i do have an outstanding issue which i currently feel they have not been 100% in passing the information to me regarding this issue, the only problem i have as this issue could fail my IVA and im in my mind past the point of no return.
ref posting by Hammie1, cant fault Debt Lifeboat to date they have always been supportive and I'm sure you will be okay with them. Just very concerned about Having to raise £20k from equit that isn't there due to property prices decreasing.
Noted kallis3;s note on .....Most IVAs will have the extra 12 months now. Iain's will be pre protocol.
What does pre protocal mean ??
I suppose my other question would be is there any legislation that governs IVA's ?
If you agree to an IVA over 60 months with an equity release in year 5 built in and the equity is no longer there or no one will lend you can you legally be made to extend by a further 12 months to pay for equity that no longer exists due to no fault of your own. Is there any recourse that you can take legally to say that the equity should not have been included in the IVA at the start and that you have been mis advised ??........any thoughts anyone ?
Most IVAs now adhere to a protocol, so conditions are pretty much the same for all with regard to remortgaging.
An IVA is covered by the Insolvency Act of 1986 I believe.
I think most of us will be happy to pay the extra 12 months rather than have to remortgage.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk