Hi Broke of london - yes but only rough ones and as we have been advised on several occassions that all is well i havent kept these I am afraid.

Thanks for your replies. Kallis3 - my sentiments exactly, they said it was their fault before I even challeneged them, I have to feel for the new relationship manager its not her fault either but still doesnt mean its ours. We are with Freeman Jones and up until this point they have been fantastic w...

Hi, My husband and i have been in an IVA since April 2007 (only 11 payments left [:D])We have been so diligent with the IVA and the payments, we have contacted our IP monthly to advise them of any changes and additional monies and paid these over with no issues. Our first relationship manager left o...

Hi all Just wanted to keep you updated that our IVA has been ACCPETED[:x)]. Halifax, YB, MBNA all voted in favour, however Northern Rock who are major creditors didnt bother to vote!!! The ones that vote did ask for an increase but we managed to meet them 1/2 way and this has resulted in us paying t...

Hi Donna Firstly let me say a big congratulations on having your IVA approved. I have my creditors meeting on Friday 20/04 and I am so scared, as our main creditor is Northern Rock and Ihave heard so much about them not agreeing to IVAs but you have restored my faith, keep your fingers crossed for u...

Hi We are currently using a DMP programme whichb Northern Rock have Okayed, however it will take in excess of 8 years to apy everything back and that is currently they will review it again year on year so this might increase. We cant go on like this and need to at least have some timescales in mind ...

Hi all We have sent our information off to our IP and they have said that the creditiors meeting will be around the 20thy April which is fine, but they have scared me becuase they have also said that they are hving issues with Northern Rock agreeing to IVAs even when the pence ins the £ is higher th...

Hi Melanie We dont own any property at all our loans and credit cards have been unsecured, I really do hope that the IVA does work because our DMP has ben increased to 8 yrs with a review.... We really do not want to consider Bankruptcy but if that the way it goes then thats how it is, but we shall ...

Hi I have been on the forum a lot recently and it would really help if people could help. My Husband and I owe nearly £51,000 (I Hate it when its written down!!!!!) we do not own our home we currently rent it, we have a car but it is essential that we keep it for me to get to and from work. We are c...

Thanks for that Melanie, I shall found out how much we would offer and go from there.

Many Thanks again

Hi Lonely Sorry for not replying sooner. We had never heard of an IVA until the company that we had the DMP with contacted us to let us know. I did question this and the response that we got was that the figures that they had recieved back from our creditors were slightly higher than what we first p...

Thanks Gizmo I will look into TC.

Thanks again

Hi all
Can anyone reccommend a good IVA company?

Thanks

We recently took out a debt management scheme which we thought would last for 6yrs, however they have now said after consulting our creditors that the term has increased to approx 8yrs (big difference I know) The company that we are dealing with have contacted us to say that we would qualify for an ...