THANKS ANDY

hi andy thanks for all your comments. my confusion is that they give me a settlement figure, when i quiered the figure and theirs fees. they then increased my monthly payments. i then made them an offer with was a few thousand above the original amount my ip phoned me to say that it wasnt enough and...

THANKS MELANIE,

I THINK I WILL BITE THE BULLET AND ALSO HIRE A SOLICITOR AS WELL.

HI MICK.I I WAS JUST READING YOUR TOPIC, AM I RIGHT TO SAY THAT YOUR ARRANGEMENT WAS FOR 55,350 AND YOUVE PAID 19000 AND YOUR GOING TO OFFER 30000 THAT MEANS YOUR PAYING 6350 LESS THAN YOU AGREED. IS THIS ALOUD, MY IP INSISTS I PAY A LOT HIGHER THAN WHAT MY ARRANGEMENT FIGURE WAS INFACT IM BEING MAD...

THANKS MELANIE,

JUST ONE OTHER THING, DUE TO MY IP NOT RESPONDING TO ME CAN I CONTACT MY CREDITORS DIRECT, AND OFFER THEM A SETTLEMENT FIGURE AND IF SO CAN I OFFER LESS THAN I ORGINALLY AGREED TO PAY OR DO I OFFER MORE THAN AGREED.

THANKS FOR GETTING BACK OLIVER

NO I HAVE NO IDEA, HOW WOULD I FIND OUT.

HI SKIPPY THANKS FOR GETTING BACK TO ME.

I HAVE SENT RECORDED LETTERS ETC BUT STILL NO RESPONSE IM JUST FEEL SO DEFLATED, I WOULD GO TO A SOLICITOR BUT AM AFRAID OF THE COSTS. I DONT KNOW WHETHER IT WOULD DO ANY NOT. CAN THEY GET AWAY WITH THIS.

HI SKIPPY 13, I CHANGED JOBS I DID ASK MY IP WOULD IT EFECT MY IVA AND I WAS TOLD NO. EVERTHING WAS FINE UNTIL I QUIERED THEY THEN TOLD ME TO SETTLE EARLY IF WASNT HAPPY, AND THEY GAVE ME A SETTLEMENT FIGURE, WHICH WAS A LOT HIGHER THAN WHAT I SHOULD HAVE PAID IN OVER 5 YEARS PLUS EXTRA MONEY FOR TH...

THANKS ANYWAY FOR YOUR ADVICE YOU HAVE GIVEN. WHO WOULD I COMPLAIN TO.

I HAVE TRIED ALL AVENUES OF CONTACT AND ANY RESPONSE I HAVE GOT WHICH HAS BEEN PRACTICALLY NIL, I HAVE ASKED NUMEROUS TIMES AND I MEAN NUMEROUS TO EXPLAIN THE MAJOR INCREASE IN PAYMENTS. AND WHY THEY KEEP CHANGING MY SETTLEMENT FIGURE. STILL NO RESPONSE. ARE THEY ALOUD TO GET AWAY WITH THIS.

HI MELANIE THANKS FOR GETTING BACK TO ME SO QUICK. IVE TRIED TO CONTACT THEM BUT THEY JUST IGNORE ME. ITS TOTALLY STRESSING ME OUT. I JUST DONT HAVE ANY CONFIDENCE ANY MORE IN MY IP I FEEL I HAVE BEEN LAID UP THE GARDEN PATH A BIT AND HAVE BEEN TOTALLY NAIVE. I READ A SOME OF THE TOPICS HERE AND ITS...

HI LULA, THANKS FOR GETTING BACK TO ME, WHAT I MENT SAY WAS THAT THEY ARE ASKING ME TO PAY NEARLY A FURTHER 25P IN THE POUND THEY KEEP CHANGING THE FIGURE IS THIS NORMAL.

THANKS MELANIE FOR GETTING BACK TO ME SO QUICK. GOD THIS SITE IS BRILLIANT I WISH I HAD OF FOUND IT YEARS AGO. MY IP WONT TAKE ANY OF MY CALLS OR MY LETTERS. IS THIS NORMAL ITS BEEN NEARLY 7 MONTHS AND STILL NO RESPONSE FROM THEM. IVE TRIED EVERYTHING. I CONTACTED CITIZENS ADVICE BECAUSE I CANT AFFO...

JUST LIKE TO SAY THANKS TO ALL WHO REPLIED IT IS MUCH APPRECIATED. STILL LEARNING HOW TO USE THIS SITE. TO CONTINUE ON FROM MY LAST QUESTION, DONT MIND ME IF IM A BIT DIM. [:I] WHEN I WENT TO IP FOR ADVICE ABOUT MY DEBT I WASNT SURE WHETHER TO FILE FOR BANKRUPTCY OR AN IVA. MY IP ADVISED ME TO GO FO...

thanks for getting back to me.

i understand what you are saying but it dosnt state that in my arrangement. all it says that i must pay at least 25p. maybe im just not reading it properly [:(]