Mike welcome to the forum- have you been discharged from the bankruptcy? - how long ago? Why would you need to enter an IVA - all your debts would have been dealt with during the bankruptcy. If you have a disposible income over £20 per month - you would /will likely to enter a 3 year payment order. ...

Perharps they had a "children at work day" - that day !! :-) - clearly there confusion somewhere, so as mentioned before - a carefully drafted letter, outlining problems and what terry wants, is better that a heated phone call. And if the issues are not solved all the copies of letters can be forwar...

Daniel - see Terrys comment below - it doesnt appear that a credtors meeting was called - a change of heart on which option. "i recently went through a company called cleardebt to help me with an iva,then found before the creditors meeting that i would be better going bankrupt,i have now asked for m...

As Andy suggested - perhaps to need to write them a letter - identifying the problems and what you would like done about it. I am all for ranting and raving - but when making a formal complaint, you need to stick to points you want addressed. and what exactly you want done about. Send this by record...

Harpic - hope your going to continue to post as well - when Kallis gets back ?- it may mean fighting over who gets the laptop?

It sound easier to add all the bills shares that need to be paid + rent to one amount - this is what you pay your brother each month on the rent book - but it covers everything.

Glad about you house insurance Paul - we find as our house is old, it has a high rebuild cost, and as well as having a (burn) stream in the garden, most on line insurance wont quote on line.

Pingu - i also find noddle - not very up to date with things and slow to respond to notification of incorrect data - glad its not just me,

Biscuits - welcome to the forum -- it will depend on their own IVA proposals, but if they owe the IVA pot some money - how their IVA company suggests/deals with that will be dependent on how much. But they do have a responsiblity to keep their IVA company informed of any changes

Ema - welcome to the forum -- you are encouraged to save - so open up as savings account somewhere, to cover xmas etc - as well as those emergencies (boiler /car etc etc )

About 72% -- i appreciate that remortgages are usually quicker, but the free legal and house survey - saved a few hundred pounds - fixed for two years at 4.49%

Just a little story of our experience:- We decided to look at at remortgage from Co-op and /RBS - both ask the question "have you ever been in a formal arrangement" - after being refused, on line by the RBS. We approached Ryan (zebra money) principle decision given, with free house valuation, produc...

Congrat from myself

I sure this happens in most companies - thankfully infrequently


Check the bottom of your IVA provided page - it set out the complaint procedure.

Financial Ombudsman Service is:

South Quay Plaza
183 Marsh Wall
London
E14 9SR

FSO - is the route - however they make it clear they wont investigate the complaint unless all the internal routes have been shown to have been used