Thanks Ray. I just worry that nothing is done, they said they were dealing with it last time and haven't as they said Barclaycard wouldn't speak to them, data protection and all that!

Your right though, I'll try not to worry.

Thanks.


Amanda

We've been in an IVA for 5 months now and my husband has been constantly hassled by Sky Card (Barclaycard). They refuse to speak with Payplan and have now sold the debt onto a Debt Collection Agency. We've now received a letter saying if no payment is received bailiffs then Court procedures will tak...

My husband and I are in an IVA and are currently renting a house £850 per month. Can anyone tell me if we were to move to a cheaper rented house would we have to pay the difference in rent over to the IVA? My husband is self-employed and things are really difficult at the moment and there's no way w...

They are chasing for payments, its nothing to do with Sky TV, was a Sky credit card. I will write a letter of complaint and see if that helps.

Thanks for your replies.


Amanda

We have done Melanie, several times. But all they say is because of data protection they can't speak to anyone else but my husband.



Amanda

My husband and I are in an IVA (since July 09). He is constantly being harassed by Sky Card. At first they said (on their numerous calls a day) that they knew nothing about the IVA. Their Head Office is Grant Thornton and all correspondence must have gone through them, eventually this was sorted and...

NR were a nightmare for us too, big time!! We were also with Payplan, I'm sure Payplan don't follow the criteria that NR require and am also sure that if we had gone with Melanie and her team, things would have gone much more smoothly.


Amanda

We are with Payplan. I don't think it would be possible to input new I&E as it would look too suspicious surely if we altered figures. All our other creditors voted for the IVA (MBNA and Sky Card didn't vote). Thanks for all your advice, its much appreciated. We are speaking to Payplan this morning....

It's okay Jan, your advice is very much appreciated, you are an excellent source of advice and put people at ease. I always look out for your posts, you are always so positive and give people much hope and encouragement.

Thanks a lot.


Amanda

We are not in an IVA yet - or are we? Does it mean once your IVA proposal is submitted to creditors that you can't change IPs?



Amanda

Well our creditors meeting was re-convened for today. NR are still insisting for an extra £153 per month (and £45 extra from other creditors). We are mulling it all over and making a decision which way to go - IVA or bankruptcy. I know it is wrong to go for an IVA if you cannot afford the payments, ...

Excellent news, congratulations.


Amanda

Hi Jan

I think they are tired of me contacting them and to be honest have come to the conclusion that BR is the way to go as I'm sure NR are not going to budge .



Amanda

Hi Tamzin

It covers 2 adults and 3 children - but after asking on this forum yesterday for a guideline £580 was quoted at the high end.



Amanda

I've just realised our figures were adjusted to fit by Payplan - they have amended our housekeeping from £550 to £740!!! No wonder Northern Rock are querying it.

I must admit I didn't check them when I received the proposal - so partly my fault.



Amanda