danny502 wrote:I have HP finance with Santander. will it be affected if I get IVA with my other creditors?
It depends on Santanders attitude to the IVA. Most HP finance agreements have an insolvency clause but many lenders do not operate it as long as payments are made, you will need to ask them. Assuming that they are OK with it then the HP payments will form part of your agreed allowances so you can keep up the payments.
Then, even if agreed it will be up to the HP Company whether or not to allow you to continue making the payments and keep the car.
You could have an anonymous telcon with the HP Co. to find out what their policy is on IVAs.
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