Two months into IVA, I have two creditors (Barclaycard, and RMA who are acting on behalf of Barclays) who appear to be denying that we're in an IVA, deny they're recieving payments, and both of them have demanded money. Barclaycard have additionally carried on sending me monthly statements, with int...

JohnPaul: I don't have an IP yet. I'm still in the process of selecting one! What I absolutely DON'T want, is to pick an outfit with an ostensibly good reputation, and then have huge trouble getting hold of them when I actually need to - or who expect me to have all the paperwork to hand all the tim...

Hi, The full company name is House & Home Care Ltd (H&HC) and it appears to be connected the Debt Consolidation Centre. They aren't mentioned on iva.com or on here as far as I can tell - and I can't really find anything about them. They've sent me a load of bumf in the post about changing my bank ac...

Hi,

Just a very quick question: I've been cold-contacted by a company called House and Home, and cannot find them at all on the web. I'll do a more intensive look later on tonight but just wondered if anyone's heard of them.

Cheers for that; I think I'm going to have to do a bit more investigating. The IP they referred to, said the DMP would run for a very long time if I only pay off the minimum amount, but that I could always go into an IVA at a later date. OTOH if my wife goes out and earns the same as me, DMP would l...

Hi, Just a quick update - still trying to get things sorted out. I've been deluged by cold calls from IPs I've never even heard of, one of which seems to be offshored to some call centre in India who wouldn't even tell me who they were - and I've now told them about three times not to call me again....

Hi, Thanks again. I'm guessing that the total debt in my name is £40k. I take home £1400 (net), with a utilisation bonus paid per quarter which is never more than £300 and can be less than £100 if there's a quiet spell. On the outgoings, I pay £525 for rent & council tax, £100 for utility bills and ...

Thanks for the info. The other complication with getting the IVA arranged has been the logistics of working away - I did contact a company last year and got as far as starting the SOA, but then got dragged off on a contract and ended up moving from one hotel to the next for several weeks on the trot...

Hi, Please excuse the life story... I've been trying - unsuccessfully - to balance my debts for the better part of 4 years and am somewhat bitter about the banks' complete lack of interest in helping me get out of it (for instance I've been told TWICE by Barclays, once by Abbey and once by MBNA that...