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    • Tobolinos
    • By Tobolinos 1st Feb 16, 3:46 PM
    • 11 Posts
    • 4 Thanks
    Tobolinos
    • #2
    • 1st Feb 16, 3:46 PM
    At last!
    • #2
    • 1st Feb 16, 3:46 PM
    Hi there MSE lovelies

    Just to say, after 11 x years in some form of debt or other, and 6 x years after starting my IVA, I am now clear!

    For any of you struggling through an IVA, it does get better!

    I noticed a gradual difference in how I was being treated after I completed the final payment, and a year on, I checked my Noddle rating, I'm now 4/5 after being 1/5 for as long as I can remember

    Keep going, and you'll get there...

    Best wishes
    • kdornz
    • By kdornz 8th Sep 16, 7:52 PM
    • 1 Posts
    • 1 Thanks
    kdornz
    • #3
    • 8th Sep 16, 7:52 PM
    Credit Score
    • #3
    • 8th Sep 16, 7:52 PM
    I am a year into my IVA and am having nothing but trouble, I have a set figure to pay off but am being told its not an outstanding balance I am chalking away at.


    I also found out today that my first 2 years payments don't really contribute to the IVA amount itself.


    What I was wondering is, what happens to my credit score should I cancel my IVA?
    • pit1927
    • By pit1927 9th Nov 16, 2:00 PM
    • 1 Posts
    • 0 Thanks
    pit1927
    • #4
    • 9th Nov 16, 2:00 PM
    IVA completion
    • #4
    • 9th Nov 16, 2:00 PM
    Hi great to hear you've got through you're IVA,
    I'm about to make my last payment this week after 6 years. How long after final payment does it take for credit rating to improve to be able to go out looking for better deals for mortgage, Energy and media fees etc.
    Cheers
    • Missmich73
    • By Missmich73 9th Mar 17, 3:57 PM
    • 3 Posts
    • 0 Thanks
    Missmich73
    • #5
    • 9th Mar 17, 3:57 PM
    Late sisters IVA
    • #5
    • 9th Mar 17, 3:57 PM
    I am looking for some help please.
    I am currently trying to deal with my late sisters IVA, she passed away in her sleep April 2015. She had debts of 35,000 and had set up an IVA, I have been doing some digging into the IVA and have wrote to each individual creditor, one of them has confirmed that her account is zero balance so should this be removed off the IVA?

    Also the IVA company have confirmed that there is only 0.18p paid out of every 1 to the creditors!!

    Is this legal?

    Are IVA not set up to help people in debt?

    Any advice would be appreciated.
    • debbie.marshall38
    • By debbie.marshall38 21st Sep 17, 12:48 PM
    • 1 Posts
    • 0 Thanks
    debbie.marshall38
    • #6
    • 21st Sep 17, 12:48 PM
    IVA Companies
    • #6
    • 21st Sep 17, 12:48 PM
    Hi there, just wondering who is best to go with, my partner has signed up with Debt SOS a company in Manchester, how do you know they are legit? Any advice welcome
    • jaxsmar
    • By jaxsmar 11th Dec 17, 6:33 PM
    • 385 Posts
    • 1,563 Thanks
    jaxsmar
    • #7
    • 11th Dec 17, 6:33 PM
    • #7
    • 11th Dec 17, 6:33 PM
    Try step change. National debt line.
    You what a free service.
    Penny wise pound foolish #266 emergency fund 150/1000.
    • Highfield39
    • By Highfield39 24th Jan 18, 3:06 PM
    • 1 Posts
    • 1 Thanks
    Highfield39
    • #8
    • 24th Jan 18, 3:06 PM
    • #8
    • 24th Jan 18, 3:06 PM
    Hi everyone, I'm after a bit of advice. Since we had our son 3 years ago we have got ourselves into a massive financial rut. I have about 23k in credit card debt along with a 6k loan. I worked out all of my outgoings and after all bills have been paid, i am left with 80 a week to live off which is not a lot at all for a family of 3. I am on a fixed term mortgage with 2 years left on it. Looking at the current price of the house, I have about 30-35k equity. Would anyone know if it would be better for me to shift my debts onto the mortgage in 2 years time or would I be best looking into an IVA? I have been trying to clear some of the debt over the last couple of years but we just go round in circles and gi back to square 1. Is an IVA really as bad as people say?
    • Hall30
    • By Hall30 15th Mar 18, 10:06 PM
    • 1 Posts
    • 0 Thanks
    Hall30
    • #9
    • 15th Mar 18, 10:06 PM
    • #9
    • 15th Mar 18, 10:06 PM
    How do u start a iva as im in deat an strugerling
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