I have just replied to another thread but ingested more info now! I don't think I have any PPI to claim so that is in no way an advantage, and no joint debts with someone not in an IVA so no disadvantage there. My second annual review was submitted prior to the acquisition and haven't had any feedba...

Ive received a letter from them at long last after the initial letter stating that they had taken on PJG etc. They want to increase their percentage to 23%. I would consider myself a fairly intelligent man but a lot of what they stipulate and ask me to agree too goes completely over my head. Will ch...

Thats the bit I cant quite get my head around. Whilst if I go into an IVA I guess they will probably never get the full amount back - can they then chase me for it when my IVA finishes? I guess in principal that has to be a no - but if my ex wife is still trying to pay it back outside of an IVA the ...

I have debt relating to credit cards, a personal loan etc which I am managing to just about pay monthly. In respect of the cards its purely the minimum payment. However the marital home my ex-wife currently is living in is likely to be repossesed with negative equity. She is moving elsewhere and I a...