Thank you for the clarification Foggy. I am so happy that it is finally behind us. The best part for me was that we always told our creditors that we would pay them back and we did - 100p / £. I know they lost out on interest but since the debt was made by fictional money that they banks created, I ...

HI Foggy, thank you for responding so quickly. It states and I quote: "I, xxxx a licensed insolvency pratictioner of xxxxxx being the supervisor of the voluntary arrangements of the above named creditors, hereby give notice that the voluntary arrangements of have been fully implemented. I will now v...

Hi all I received a letter today with a document attached that reads: Notice of Full Implementation to All Creditors Bound by the Arrangements of XXXX and XXXX Is this a CC? Sorry to ask such a daft question but I am really not sure. I was expecting a certificate that I could frame up on my wall - l...

Thank you all, it has been confirmed that we have paid up everything although I keep expecting something to go wrong and get asked to pay in again - just being paranoid lol Because of the problems with a PPI claim not being sorted out - claim offered in May 2012, only followed up after this years fi...

Hi Foggy, fees were also taken into account in her calculations. Total debt plus fees equal amount that we have paid to date. I will hear from her tomorrow (she is off today) and unless there are more fees than what she calculated, we should be free and clear. We also have confirmation that statutor...

Update: As Michael suggested, we persevered with our queries and eventually our email was given to a supervisor - Louise. She went as far as to listen to recorded telephone calls and read our concerns and answered them all! She fully understood why we were querying the review. I think the more she i...

Nayla, if you have not signed yet, hold off until you speak to some more providers.

Some people had some great service and some really shoddy service from them. Just read this forum and you will get a feel for which company's you should speak to.

Try The Car Finance Company.85 Kingston Crescent, Portsmouth PO2 8AA, 023 9244 8600 We were in the same situation that you are in with my husbands car and with our IP's permission, we took out an HP 3 months ago. We were in the lucky position that we had a few contracts with our mobile phone company...

When we were looking for a new home to rent, we were very open and honest with the property agent about our situation. We obtained a letter from our IVA company stating that we were up to date with our payments and that they had no objection to us seeking to rent the place that we wanted. The proper...

Hi all - thanks for your replies Michael - My husband and I sent a long email (wanted everything in writing) which was replied to by a case worker with our IP copied in. The case worker has not addressed all our concerns and we will be emailing him back as he has acknowledged half stories and not th...

Apologies if I am resurrecting an old thread but I totally empathise with the OP and wanted to share some of my frustrations. We went into an IVA due to job losses and finding out that what was originally manageable to repay had become completely unmanageable and we were in over our heads. We looked...

Thanks for the reply David. I have sent you an email using the email you gave above and marked it IVA Forum for attention of David Rankin.

Thank you for info, Trusteer Rapport downloaded and activated.

Wow, am I glad to see this post. I too am with HB and David Rankin is my IP. So nice to see you on here David, your office staff do like to hide you away - how did you break out! :) I too had a successful PPI claim done by Richardson Mail and in May 2012 last year we had a letter from Richardson sta...

Interesting question, looking forward to seeing a reply from somebody in the know.