I must admit having heard some of the advice given out by the CAB I'd be a bit wary of them but Stepchange might be an idea

Hi guys this may be an odd question but work have asked me if there are any courses I want to go on that they will pay for and give me the time to complete. At the moment we we tend to send the people we support to see outside outside agencies, usually Citizens Advice, and quite frankly some of the ...

If it is from 10 years ago it is statute barred anyway Unless you admit it and start the clock running again.

Is there anything to stop them increasing the payments again at the next review?

Seems to me they are admitting that your IVA payments weren't right anyway. If they say you can afford to pay double they are saying you could have afforded to pay twice as much anyway. One way or another they are in the wrong.

Can I join in and say no?

The only other person that has access to my bank is my wife.

Don't worry, your payment will go up on your first review.

Don't forget the 50% will only count for the remaining year of the increase, as soon as you do an annual review it all goes in the pot.

And don't forget, if they start ringing you just refuse to answer security questions and they have to terminate the call. No matter how much they whine that they are only trying to help you!

Marston are bailiffs, so have more powers than run of the mil debt collectors. Have a read here: https://moneynerd.co.uk/marston-group-bailiffs-debt-collectors/ But sometimes they are only acting as debt collectors which limits what they can do. They will still tell you all about their powers as ba...

Thu Aug 19, 2021 1:25 pmscottishbeauty wrote:

Hi, I'm new here. I want to know that how to post questions or threats here.

Typo of the week

Thu Aug 12, 2021 7:33 pmalan690 wrote:

The new payment figure would leave me unable to save anything or unplanned expenditure.

You need to realise that this is how it is supposed to be. If you have unplanned extra expenses you have to go cap in hand to the IP and ask for a payment break.

If last year was your first year in an IVA the original I&E figure was probably 'padded' to make the IVA look more attractive. I know ours was and went up dramatically the second year onwards. With an income of £1443 how much are your monthly expenses?

Some say refuse to answer the security questions, then they are unable to proceed --- never tried that one myself. I used that, a lot, during the transition period at the start. "Sorry I never answer security questions over the phone, I'm sure you understand" worked brilliantly. They then stop the ...

Another vote for Hiscox here.

They asked loads of questions and then quoted at standard rates