Alliance & Leicester [:)]

I started an IVA in October 2007 on separation from my wife. In May 2008 I was made redundant and have not paid on my IVA since. The former matrimonial home has been on the market since our split and the value has sunk below what we owe on it, £100k mortgage and £48k secured loan. So I have no prope...

Thanks to all that responded - I may have an opportunity to start my own business - thanks for your good wishes!!

Hi all - back again . Since my first creditors meeting, when I offered £230pm and the creditors asked for £350pm and Payplan advised me to go with it, I had a review three months ago. I calculated I could now only afford £165 and the creditors accepted it without question! It's a funny old world... ...

Hi all - back again [:)]. Since my first creditors meeting, when I offered £230pm and the creditors asked for £350pm and Payplan advised me to go with it, I had a review three months ago. I calculated I could now only afford £165 and the creditors accepted it without question! It's a funny old world...

I have had dealings with Duncton - they are a good company. They usually rely upon good sized deposits (cash or part ex) and fitted trackers to offset the risk posed by poor credit history. Their interest rates are not too bad, either. Andy mentioned Advantage Finance - along with Welcome Financial ...

It's a very interesting debate on what is classed as a luxury and what is not, that's for sure. Going back to what Cybus said about creditor representatives, there is one thing I don't understand. If a debtor, through somebody like Payplan, offers 57 pence in the pound and points out that bankruptcy...

Thanks guys, for all your help and advice. Cybus , Payplan told me that a lot of creditor meetings are attended now by agent companies who are there as representatives of the creditors but are paid on the amount recovered and are therefore much more 'hard line' than the creditors themselves would be...

Hi Marsha - thanks for replying. We remortgaged a couple of years ago and transferred into joint names...[:(] Also I have a young son there so there is a limit to what I can do, I fear. Her solicitor told her that as the divorce petition cites financial mismanagement as evidenced by MY IVA, she stan...

Creation have been around a while - Storm has it spot on. Their car loan section was called Open + Direct, based in Northern Ireland. They have, as Storm says, renamed to LaSer UK.

Hello, I am new to these forums (or is it fora?)[?] I entered into an IVA set up by Payplan in May of this year - about £35k of credit card/bank loan debt. I had the IVA as most debt was in my sole name or my wife was just an authorised user of the credit cards. All the calculations were done and an...

Good luck!![:)]