I think lack of communication and information seems to be everyone's biggest gripe here from different iva companies ,, I know this won't make you feel any better and it's easier said than done but try to stay positive you got this far and that's an achievement in its self x

I'll keep my fingers crossed for you hun , I agree with what your saying what annoys me and I can't blame GT here because I was moved over from B&E is that I found they gave a good spill and promised the earth at the beginning but as soon as they were getting their money you just become another stat...

Hi Karol thank you for the reply it's appreciated , I have e-mailed you . Sorry to be such a nuisance

P.s gilliB hope manage to get a reply soon .

Hi I know how you feel about GT fed up with them is an understatement and I'm not even close to finishing my iva :-) I'm still waiting for a reply to information I requested at the beginning of august and also more info 2 weeks ago :-) ... Hope it all gets sorted for you soon and WELL DONE on gettin...

good morning lesley and thank you for the reply , hopefully things will sort themselves out very soon. unfortunatly there are a small majority of people out there that think they are GOD and forget that they are playing with real peoples lives feelings and emotions . on a plus note this place has be...

hi all , well i have just got of the phone to llyods tsb and the re issued ppi cheque is in the post and on its way to me :-) (not that any of it is mine) :-( . the reason i am happy is that maybee now my iva company will want to talk to me as there is money involved because to date so far i havent ...

Congratulations

Good morning luluj and niobe , thank you both for posting It means a lot

Thank you again Melanie and everyone else that replied and gave me advice i do appreciate it , I have taken it all on board and have a lot of questions to ask my ip . Wish me luck . P.S well done gillib on finishing your iva

thank you again gillib my iva company arent really saying a lot and as for all my paper work honestly i dont understand any of it theres lots of figures and big words and looks like gobledy gook to me :-( . as for the ppi i cant take all the credit for actually doing it myself i did have a little he...

hi andy thank you for your reply . yes there would be 18 payments left i am in rented accomodation so no equity .

hi melanie again thank you for another reply sorry to be a nuisance , my iva company sent forms out from a company they had recomended but they wanted to charge silly money for fees so informed the iva company that i would apply them myself and keep them informed in which i have done also forwarded ...

hi gillib , thank you for welcoming me here and also the reply im new to all this and not very good at explaining things either so please bear with me ill do my best . i recieved the cheque for ppi payout at the weekend but i have problems with it and have to send it back (change of name issue)and t...

hi lesley thank you for the reply its appreciated , that would be great thank you .

hope you have a great day

hi again , well after a weekend of head spinning and not much sleep could i be so cheeky as to ask for a little more advice please. would anyone be able to advise me on what would be an acceptable full and final figure to my creditors here are my actual figures 42 monthly payements at 163.00 =£6846...