Thanks Mel, The 3rd Party was fh Debt Solutions and I suppose they did their best in the difficult and changing sector of IVA's. They now seem to go down the road of Money Management instead of IVA's. I'm still not clear, even after completing my IVA, whether a person in debt should use a 3rd party ...

Hi Mel, we haven't liaised with the 3rd party for months, we've finished with them. They had no influence over our finances only to give advice on the comings and goings of the IVA paperwork. In retrospect, we should have only dealt with Tenon and perhaps we put too much trust in the 3rd Party (can ...

Yeah..they seemed very good at the start, but I think that was just relief on our part that we were doing something about the debt. But my confidence in them lowered every time I spoke to them. Oh well...thanks for clearing up the PPI thing...I thought that was the case, but when you're told by an o...

Hi Broke of London (lol!) It was the advice of the 3rd party we did our IVA through that said "claim for your PPI now, you are debt free and they can't touch it". I do understand that the PPI should go to creditors when we are still IN the IVA, but the 3rd party told us we were OUT and debt free! Ma...

Hi Melanie...sorry about the late reply, I'm in and out all day. We're with Tenon. We were approaching our last official month but still had three outstanding payments to make because of my redundancy. They sent us another expenditure form assuming we had another year to go. When I explained to them...

Thanks Melanie, its been awful. I also didn't realise my friend wouldn't be able to deal with our IVA...thankfully I didn't go to him, so he's non the wiser and my pride remains intact (just!) Incidentally Melanie, we have had a letter from our IP regarding the tax situation asking us to sign (or te...

TBH, our IVA has been a nightmare from start to finish. We went through a 3rd party online company that dealt with the IP on our behalf. We should have just gone to a friend of ours who IS an Insolvency Practitioner, but pride got in the way. The 3rd party we used really messed up the advice they ga...