Melanie, the company is called Jefferson Hobbs. The guy that visited me went on to display letters (with him as the named person with credit) showing where large amounts had been "written off" as non-enforceable. I didnt sign anthing there and then as was (thankfully) skeptical but strangely I have ...

.... to add to what broke said about knowing what i signed up to, yes i agree but does seem harder to swallow when in joint names and the ex leaves you with it and pays nothing towards it. Does make you want to seek ways out....

Many thanks for replies. Hadn't looked upon it as theft but realistically thats what it is I guess. The thought of going through the worry and stress like at the beginning of IVA was certainly enough in itself really to make me have doubts. Company also want six months worth of instalments too with ...

Can anyone help (Melanie Giles has been really helpful in past) Already in an IVA but just offered, basically, to go onto DMP. Company say they can go down route of creditors being non compliant with consumer credit act in that if they cannot provide original agreement then may be written off by cou...

Compensation after an IVA?? Wonder if anyone else come across this. Been in my IVA now since Feb and going relatively well altho payments seem fairly high. Have received a letter from "Consumer Support Bureau" (not sure where they got my details from) but saying they can reduce payments due to somet...

Just a quick one, but having had IVA accepted today i just wondered if the first payment can be made at my next pay date meaning it would be approx 35 days from date of IVA being accepted. Does anyone know if this is acceptable or would it be classed as breach? many thanks...

GOOD NEWS!!!! many thanks for all your kind messages of support. IVA was accepted today with a few modifications. mainly on IP's side but an increase of £18 which i can happily live with. I went thru Blair Endersby and, contrary to many people giving them a bad review, I have found them to be very g...

not been on here for what seems an age. back in jan i looked into entering an iva...well, here i am with my creditors meeting tomorrow. panicking that it will be rejected which will then only leave bankruptcy. not really looking for any answers on here tonight, just to share my (dark) thoughts!!!

Head shot!!! With reference to something that Melanie posted, i took out a consolidation loan five and a half months ago which equates to prob a quarter of my total debt. does anyone know if this will go against my app for iva. my head is shot with all this worry!!

Hi many thks to all those who responded to my question yesterday. am new to this and dealing alone so rather scary. just wondered if anyone may give any indication which way my app will go if i have been up to date with debts but some debts have only been chipping away at for over four years yet bul...

OMG!! can anyone put my mind at rest. having been on the phone to various companies and now in process of waiting for a courier to pick up documents from my home via bains and ernst...can anyone re-assure me that i'm doing the right thing. i'm beginning to have sleepless nights and whilst i have bee...