Hi Dont worry too much about it When I had my phone call interview the guy on the phone was super helpful and was on my side and told me a few things that I was allowed that I hadnt thought about. You can only do your best and this is just a part of the set up process and a month or so from now you ...

P.P.I. ( sing it to the tune of Here We GO ) For people in an IVA for a long time there would have been no knowledge of all this PPI claiming thats causing all this kerfuffle when they first started out. I understand that the creditors want as much back as possible and the PPI is an easy to make a c...

:) You are having a bad day I am just at the end of a bad 3 years The IVA is like the Toblerone of life 1 minute you are up and then down get used to it You are 14 months in already 12 more months you are at Year 3 then 2 then 1 then its over Just look at it as a Bank loan thats for 5 years and it w...

To PP or not to PP that is the question ? As the IVA is a legal agreement then it should follow that all PPI claims are dealt with in the same manner If 1 person is allowed and another is not then there needs a set ruling As I wrote the simplest way is to not pay any PPI to people in an IVA Set a st...

Hello Dont waste a second of time on that person If they call again tell them you are setting up an IVA and then tell them to take your phone number off their database if they give an excuse just say If you call me again I will report you under the data protection act then put the phone down . All t...

Hello When you took out the PPI and loans and they are offered to people then they either say yes or no The reason why banks are not contesting is that in the majority of cases they were not told it was Interest based therefore as that was a legal requireemnt hidden in the small print then its mis s...

I keep asking what happens and I still dont know If you want to know how to start an IVA theres plenty of info and not much about completing Maybe the people who finish could write something about the process and what they did and had to do Perhaps make a Permanent Post that people who do complete c...

Hello Dont sink Swim :) Listen you will be fine Give one of the companies in here who are posting so at least you know they are contactable through this forum in the last 3 weeks I have spent £17 on Phone Calls to listen to a song over and over and over again !!!!!! Give 2 companies a call write all...

Well done
break the time into smaller amounts and focus on the half way stage every day passed is a day nearer

Yep ta very much Wanted to know the last month or two of closure Will I get asked to send anything to show my last year or do they not bother with doing a review as its finished they freak me out lol and brings memories of starting it all come back dunno why but thats me I just wanna pay my last pay...

Only way to play Monopoly is be the banker and keep sliding money under the board when nobody is looking Or as my family used to do throw a hissy fit and flip the board up in the air
5 years for a game of Monopoly thats nothing ours used to go on and on and on and on

Have a look through some of the questions posted and then see which companies are actively taking a genuine interest Then have a chat with the one you feel can offer you the best advice
Best to start things sooner than later First step is make the phonecall and take it from there
best of luck

A thought If everybody just says they wenre not mis sold PPI then there would be no hold ups Any PPI money claimed is paid from the bannks who then get it back VIA the IVA Or anybody who is in an IVA should not be allowed to claim PPI as the banks have allowed them to enter an IVA so thats like sayi...

I hope so I am peed off with my job all week with dumb paperwork sign this do that give that do that lol
So nothing to worry about then just pay a last payment Do they call you to confirm or do you tell them Last call I made last year cost me £8 in credit waiting for an answer !!

The PPI is ok no claims just wanted to know what they asked for
So just wage slips and thats it ? Or do I need to send bank statements again and P60 ? coz I can keep them when they get delivered in the next month or 2
If its just wage slips thats cool I hate paperwork