Hi foggy just a question I've read a lot of posts about how u can keep 6weeks of redundancy money .what don't understand is how can u pay the IVA afterwards if u can't get a job . Creditors can't have the cake and eat it as they say no job no money surely the IVA should end then and not forgetting t...

I was DFD and when my monthly pay dropped by nearly £200 a month on a permeant basis I still had to keep paying the £335 a month and I struggled but at no time did they decrease the payments even though my yearly review flagged this up thankfully I was living at home with my dad otherwise I would no...

Hi foggy regarding an equal pay claim this is money owed by employer because they did not pay u the correct hourly rate for x amount of years so u are only received back pay which I thought would fall under the 10//50/50 rule because if u had been paid correctly then Ur monthly payments would go up ...

Foggy just a query how can job seekers allowance keep u afloat while finding another job and paying an IVA . The poster does not say he's recieving pay every month CV on top of the JSAso if this is the scenario do u live on thin air and pay all redancy and still keep paying it's just a thought on th...

When I was in an IVA with DFD I paid half my monthly salary over which was £338 .when my second job had to go because I had been diagnosed with epliesy so could not drive. My income dropped by £170a month and I was onmedical leave for a year until I was correctly diagnosed and put on medication that...

I've just seen on the forum about dfd, if u were a client of them and say claimed ppi and your IVA has been closed for say over 4/5 years what would happen - this is just a scenario. Also I know ppi is seen as due to creditors how would that be dealt with if company in administration

hi know what you mean my iva finshed in 2011 and from what I see things have gotten worse I could have done with your and your colleagues advice then. its nice to think theres someone out there now to turn to.

hi just to pose a question of they are rapidly running out of money to feed family and pay nesscary bills how does the iva take precendence of the pension money if drawn down if it is needed for the family to keep paying bills etc .I thought an iva was a route to ease and help not wheres your money ...

hi just a question why aren't the iva company giving the client the options of having any residue left from the ppi payment refuned to them with the option if they wanted to give it to charity .not take it as read the iva company will do it as seems an easy option . and with ppi it could be a reason...

hi there just a comment how many times do u have to sign and resign ppi claims forms for the same thing ppi money is not going to magically get any more .also once should be enough and this should not be used as \ delaying tatic at the end of your term when ppi has already been claimed by these ppi ...

I was with DFD when my salary dropped by £200 a month in year 2 which they knew about from the reiews my payements stayed the same at£338 a month and it was a struggle and it stayed that way for the next three years if I had known about the forum then I would have asked questions of how to maybe low...

that's a shame really ,but as you say about credit cards etc it seems the banks are always the ones on top making money on interest rates which can sometimes be the cause of high credit card balances and all to often see debt spiral out of control when you go beyond your means and it balances build ...

JUST A THOUGHT TODAY BANK INTEREST RATES WENT DOWN FOR BORRROWERS AND SAVERS ALIKE TO 0.25% . FOR THOSE IN AN IVA WHY DOES THE STATUTORY INTEREST STAY STATIC AT 8% IF IT IS APPLIED WHY WHEN CANT IT BE SET AT CURRENT INTEREST RATES WHEN YOU CAN PAY BACK ALL YOUR DEBT. I

hi well it seems DFD haven't changed mine took 18months and the ppi was sorted my last payement was dec2010 and cc arrived june2012 really slow and makes you wonder why you pay large fees and ppi fees when customer service is crap DFD want the business but once you stop paying your just of little co...

I think that this scenario needs addressing in the same way the iva companys have dealt with the equity in a house. the passing of a person when in an iva is a not that common but I feel the iva companies and creditors should have a protocol in the iva deals with this issue. the same way they have q...