After some chasing I got an email from Aperture telling me that my IVA is now complete and the certificate will be with me soon. What a fantastic feeling, from Dec 2011 until now it’s been a long time but looking back it was absolutely the right thing to do and life under an IVA has been pretty much...

I raised it as a complaint, despite the customer service guy telling me I hadn't got a leg to stand on and being very reluctant to escalate it. Got a phone call yesterday and went through my case, making absolutely sure that they realised that Annex 7 was the applicable document and that it referred...

How would I get a copy of the PCIVA Guidelines 2010? What they're saying now, is that one of the creditors put forward a modification which said "The equity should be dealt with in line with the PCIVA Guidelines and is only applicable if the equity is not realised within the first 12 months." They s...

So I got a letter saying there was 10.5k equity in the property and can I either re mortgage or pay another year's contributions...so have been on the phone with them until the point that I got cut off. From what I can pick out of the conversation and having followed their calculation, they have wor...

I've got my paperwork out and not only is the wording clear and explicit with examples using my method, but there is also and Outline of Debtors Options document between RSM and myself in which they've given 2 specific examples of how the 85% LTV works, one using a static house price and one allowin...

Hey Foggy how are you doing? OK, well that looks like a dodgy way of doing it! But Yes I can see how they could use that method to "create" equity. Are they alone in doing this? It's been a while since I last checked in here but unless I've made errors the way I've described was the accepted way, wa...

Hello all, well it's been a while and month 54 is here, so we're waiting for the written valuations to pop through the letter box. So I just want to check, in principle if I've got this right in my mind before I submit everything to GT. My wife and I are in an interlocking 2008 protocol compliant IV...

It's possible to report people for lots of things, but before you do, the first question to ask yourself is "what's my motivation to do this?" If you're happy with the answer to that, then once you know which IVA company they are with, it's easy to start the process of dropping them in it, a phone c...

I have a very low view of this company based on my step daughters experience of them cold calling her (not allowed), taking payments off her and refusing to reply to emails questioning their actions.

Yet they won a prestigious IVA award not very long ago.

Eyes.Wide.Open.

Plusnet are part of BT.

Look, just be more upfront about it, but in a nice way. Get the Talk Talk, Sky and Virgin prices (even if you can't get the service) and ring BT and thank them for the quote, but you can't commit to another year because the prices are uncompetitive to what else is in the market place. As soon as you...

Thanks Kev but I'm up in Yorkshire.
Nice offer though and I do appreciate it.

Thanks for the comments all. I was working away this weekend so I had to leave it with my wife and mum in law to sort. They've managed to find an 06 plate car at a decent price, sub 2k anyway, so we'll apply for the payment break for 4 months to pay mum in law back for the loan. The car seems decent...

GT say the 15% variation doesn't apply as it's not the result of a loss of income and there is an alternative , is a payment break and buy a runaround.

I don't think we can fund £100 per month without the variation although if it comes to it, we might have to try to.

The car that we paid all the money out for in November...with the idea that by doing so we could keep it running for the next 3 years. Well, that car has died and all that money has been wasted. Basically timing belt and gear box have packed up and our garage are advisjng that the best/only thing to...