Thank you very much for your replies.

David, I have just telephoned to ask for advice. David H is looking into for me and going to call me back.

Best wishes
r_c

Thank you Melanie, I will print this out for him ready for when he phones tomorrow. That is exactly what I told him about the address change - I didn't know at that time

I also don't agree with his ex-wife not passing on any mail or telling him about this beforehand.

Many thanks again!
r_c

Hi Melanie Thank you for your quick response. How would we be able to find out whether they have made attempts - would it be against his credit report? They have made no attempt to contact him at our address and like I say we've been there for just over 4 years and he's on the electoral roll. It jus...

My husband has today received a letter from Thames Credit. Not much detail in the letter just says that they have been trying to contact him at a previous address (we've been at our current address for just over 4 years now) and that he should contact them asap. He did this this evening (before I go...

Hi Steve

Thank you - I just wanted to check that it would be ok first. [:)]

r_c

Hi all

Thank you very much for your replies.

Melanie, would I be able to contact you direct about this for your opinion?

r_c

That's great Ray, enjoy!

Well, I've just phoned and spoke a member of staff dealing with my case and he doesn't agree that my payments should be lowered. I asked why and was told that because we live together all surplus income should be included - I am contracted to pay back 38% of the debts. I told him about my concerns a...

Hi all Thank you all very much for your replies and kind words - this Forum is a god send [:)]. I thought it was just me not understanding the process properly but if you think that this is not right Melanie, then I will definitely ask for a meeting with my IP. How does this work when they are based...

Hi RayScollen

Thank you very much.

all the best, r_c

I recently posted regarding whether or not my husband's surplus income should still be included when working out my monthly payment even though he completed his IVA early. Melanie kindly responded saying that it shouldn't and that my payment should have been re-calculated to take this into account. ...

Thank you very much for your reply Melanie. I will raise this with my IP. I just wanted to get my facts right first!

Many thanks again for your help and advice.
r_c

Thank you very much Viki [:)]

I have a couple of query regarding interlocking/joint IVAs. When I looked into IVAs in 2006, my partner (now husband - we got married in May this year[:D]) and I had a personal loan and overdraft in joint names. We were advised that we both needed to enter into IVAs. All of the remaining debt was in...

Hi Melanie Thank you very much for your reply, I knew you would reply when you had chance[:)] I will double check the monthly expenditure amounts to make sure that I am paying 42% but think I will contact my IVA Company anyway regarding whether my payment is right thank you. I just don't seem to hav...