Well if that is the case, with her being a professional, you might think that she would want to fight her corner, or possibly clear her name ?

This is happening now.

I am refusing to pay any of the 12 month extension, but any argument with them goes in one ear and out the other.

I didn't want to start a complaint as all I wanted was my completion certificate. But what else can you now do ?

I know this may be heresy, but what is the full story of Melanie Giles selling PJG to credit fix ? Why does she and her team no longer post advice on these forums ? She was obviously a prolific poster and seemed a whise sage - that's the reason we chose PJG. I can understand there may be reasons for...

We are in the same position. Our IVA from PJG reads as everyone else's. We argued and argued and there was no way the would let you speak with IP. Hence we had a drive by valuation organised for us at month 54, but we never saw the valuation - so I paid for a valuation from an MRICS qualified survey...

This is an awful situation Maybe you should widen your approach. You have 9k equity, and in GT eyes a 5k de-minimus. We where faced with something similar caused by the house valuation. Re-address this by paying for a MRICS surveyor to value your house, pointing out all the issues that need fixing a...

Our drive by gave a £20,000 difference on the actual value - nearly 20% out. It's absurd that professionals could give such a huge difference in valuation

Thanks for the replies. I will close up my IVA with what I owe. The real bit that is disconcerting is that child benefit was classed as an income in the yearly I&E, and if we had stopped it it would have left us with £140 less each month to pay into the IVA. I may be thinking to much on this but I t...

I was notified by HMRC that my child benefit would need to reviewed as I was in a salary bracket that meant part of The benefit may be lost in the new regulations. The child benefit was classed as income within the iva. The option was to stop the child benefit or complete a self assessment at the en...

CreditFix have said that they'll accept another valuation. We've seen an agent and we're awaiting his letter. I've asked Creditfix for clarity over what it is they want us to do and the terms. So far, we've had nothing in writing just a telephone conversation. As our IVA was meant to end in November...

the " de minimis" clause is in our proposal, and have just read on wikipedia what de minimis means - "In risk assessment, it refers to a level of risk that is too small to be concerned with" but could i clarify what Foggy has mentioned, 1) that £99,450 is the LTV of the house. 2) actual amount outst...

Hello thanks for the responses. We have had some limited (creditfix are so hard to get hold of) conversations since i posted this. To put some context in this and hopefully to gain some salient advice, the situation is : 1) We had an IVA with PJG and was transferred to Creditfix 2) our last payment ...

I am so upset. I thought we had paid our final IVA payment and were waiting for Creditfix (we've just been transferred from PJG Recovery) to contact us. We contacted them as we'd heard nothing but they've now told us we have to pay another year. I feel that we've just been dumped by PJG Recovery and...

Tina More than anything I'm jealous of your confidence. Your enthusiasm is infectious! [:D] I love shopping (hence the IVA) and ebay is the best shopping window in the world. I've had to make a rule though that I have to make the money by selling my own stuff before I can buy more. I have just bough...

Don't do the loan! Would it be too difficult to wait another few months, save and then buy a cheap car? I can't wait to be debt free and when I am it'll stay that way. FOREVER!!

Well done on finishing the IVA xx

I love shopping too Jan but I other than work shirts and trousers for my OH I haven't bought anything new for us since we went into the IVA last November. I've been lucky enough to get all of my neice's hand-me-downs for my 8 month old daughter and have bought bundles from eBay for my 2 year old. An...