I have just completed an IVA and been sent all documents back, but there has been other peoples paperwork in the pack as well. I am now concerned about our paperwork and how this may have been shared and how safe it is.

You raise a very good point there "12 months to go", which I had not considered. I do not recall in any way whatsoever, my husband giving his permission for other companys to contact him for what should be deemed as "marketing calls" and literature. I believe this would be classed as marketing becau...

Thats a fantastic description of how proof of mis selling of PPI is constituted Declan, but it does not answer the question as to why DFD are writing to their customers telling them that they must sign over the authority to Equity Finances to re claim PPI, for a nominal charge of only 36% plus VAT (...

Thanks Melanie, so basically he does not have to sign it, they cannot insist he does, and they cannot insist that the secured loan is claimed on purely because im married to him. I do see the point about raising "honest funds" to pay to the creditors, and also agree and applaud it if that was the case

scenario - car breaks down cost to repair car £100 man repairs car but you only pay £38 because you cant afford to pay £100 Man not happy but accepts £38 because its better than getting nothing Later, you sue man who accepted £38 instead of £100 and make him pay some of the £38 back Is man looking a...

Thanks Honey, have been thinking laterally about this one and its actually making me giggle a little now. Have posted on the last entry of yours earlier today. Have a read on my take of it and hopefully you too will have a little giggle.

My husband has also had one of these letters from DFD telling him he has to sign the authority over to a company called Equity Finance, who only charge 36% plus vat (albeit they claim the fees from the payout). The letter states that if the case is won, then the creditors will get more money and vie...

Will do honey and thank you very much x

Thanks Kallis and all. Much appreciated, if anyone else can add anything please do not hesitate,cos this is all a bit of a mine field at the minute. Think I may trip to a solicitors about this one because I think this reclaiming ppi stuff is all a bit dodgy, and I certainly am not giving away £13k o...

ahhhhhhhh then that makes sense lol

Wekk surely then they should have taken the secured loan into the IVA, but they said they couldnt because I wasnt in the IVA, lol, sorry I have now made this all sound very complicated

Debt free direct, the company wouldnt let me pay because it had gone into the iva, so I either had to pay the full amount or nothing ??? that was a bank, they wouldnt accept part payment

Sorry about this folks, but surely he entered into a definative contract 4 years ago, with clear direction of what he needs to do and what they need to do. I couldnt go and change contract details on a whim when Im 4 years into it so how can they be allowed to "stick this in there" because they want...

Ordinarily that would be fantastic advice Kallis, but unforetunately his IP is not the brightest I suspect. She allowed a joint debt to go into his IVA, my name is also on it, and it was not discussed with me, nor was I made aware of it until I tried to make a payment ??????? not the sharpest tool i...

In fact, if he believes he was not actually mis sold, surely they cannot force him to sign because then he is signing an untrue statement ????