hi evette I sent you you a email yesterday but I will resend it again in case it didn't get to you

thank you micheal

hi evette where do I find your profile please

hi for some reason the title of this thread says payplan but my iva is with dfd.my issue is that when I spoke to dfd in may this year to inform them of my wifes illness and being unable to work they granted 1 months reduced payment with the rest of the payment added onto our last payment in October ...

I am in a iva with dfd and am paying reduced payments at the moment due to my wife been on long term sick leave from work.i have been in constant touch with dfd and at no time until this morning did they tell me that once my account is 3 months in arrears they will issue a notice of breach and fail ...

mbna were by far the worst for me closely followed by hsbc via mumbai i only got one letter from egg and i found cap1 easy to deal with

melanie the two additional creditors were not part of the iva i think because i was still making repayments to them-northern rock and picture finance even though i was badly in arrears with both of them.i did speak to both of them when the iva was set up so they were both aware of the iva and to be ...

once again thank you for your replies.my payments are increasing due to a variation of our iva.we had our house repossed and the shortfall on the mortgage and the second charge loan are going into the iva.i am not trying to get out of paying back our creditors but once the payments increase it will ...

thank you for all your replies.i asked the question because my monthly payments are going to increase from £333 to £749 and i am now seriously considering bankruptcy

there are two of us in our household and our allowance is £280pm for groceries. i have told my iva company that our actual monthly spend is now closer to £400pm but they say they can not increase our allowance is this normal practice because they are being paid well for supervising our iva and can...

this is my first real post on here and just thought i would give my opinion on some of the dca's that i had dealings with before my iva was set up.the worst one was rma(the dogs of mbna)they were rude and bullying on the phone and many of them spoke very poor english.the next one was fredrickson(cap...

just an update on my earlier postiing regarding my notice of breach from ---.well i got to the bottom of why it had been issued due to the inclusion of our repossesion shortfall and our secured loan becoming unsecured.so i got a phone call from --- saying our payments were going to more than double....

just to add i was told some one would be in touch within 2 days-from the repayment team but still not heard anything up to now

spoke to dfd 3 times last week.the first time was to ask them what was happening about the letters i had forwarded to them in july of this year regarding the repossion short fall on our property and the repayment demand we had received from our second charge lender(picture finance)it was after the f...

sorry it has taken me so long to reply.i am with debt free direct