Sorry if that sounds harsh its not meant to be Also as a working person of which I know many I can say none of my friends have any spare cash to save My friend lives in his overdraft and eats cheese sandwiches day in day out coz he cant afford to buy anything else So if you are in an Iva and seem to...

Pay the agreed amount per month is that not the idea ? I am suggesting if you read my post that you dont need another account just save what you can ie a smaller amount If I was in my Iva and sent in my bank staement showing a saving per month of £800 then I dont think its been calculated right As I...

Hi Send a written letter recorded post and keep your money in your bank account making interest for you If they cant be fussed to contact you then tough let them wait I wasted £20 of mobile calls on stupid answering machines being told to call back and so on They should be running round after you th...

Next phone call you get just say this Ask for their name then ... Say the below in an authorative tone Take my home and or mobile phone number off your records immediately and do not call me again. If you call again I will make a formal complaint to your company under the data protection act of .......

Quote............ If you build up a large amount in your bank then it means your ins and outs are not set correctly and you will end up paying more I didnt mean a couple of quid I was saying L A R G E amount ie thousands Ips do ask for bank statements every year in your review or how else do they kn...

Hi Send a report of the matter to their customer support MANAGER and drop her right in it I had some bad tempered woman a couple of years ago when I rang in about something really annoying So when I write a thank you letter to my IVA company when I get the Holy Grail certificate I shall be mentionin...

I am in that long queue and its not fair or right no matter what the reasons are You completed and did what you were told and adhered to the rules and now you are the one still on the knofe edge of what you can and cant do and not back in control of your life as was the aim at the start. Regardless ...

Well done and year 4 I thought would have gone slowly but it was the fastest to pass Easier when you get to single figures for months

Hi The certificate shouls go out at the end of the 5 years or whatever term so you can get on with your life thats the agreement you made and have adhered to All this PPI nonsense and VAt etc its not the IVA customers fault or their problem The money has been paid give us our paper now A4 or A3 or o...

Get yourself a nice piggy bank and pop it under your bed then who is to know what that piggy wiggy has If you build up a large amount in your bank then it means your ins and outs are not set correctly and you will end up paying more I am done with my IVA TG ! and I am getting a savings box for when ...

Hi Dont worry as people will tell you Not easy to do but you are nearly there now They dont go through the setting up of the IVA if they are not pretty sure it will be accepted Its not a massive decision on their part just a few faxes and you get your phone call If you dont get accepted you can come...