Completely agree with all your poins kallis. I'll have a word with BT to find out what's going on. The spam mail I could cope with, I hope cold calls aren't an increasing trend. Plastic, if I happen to answer one of their undoubted repeat calls I might bait them a little to find out the cost of thei...

Apologies for resurrecting an older post, but I received a call from this company earlier today. Getting over the fact that my phone number must somehow no longer be ex-directory, I was fairly miffed. If it helps anyone they claim to be based in Bournemouth and I have a contact name and telephone nu...

FWIW when I entered into my IVA my rent was significantly more than others mentioned and just under 50% of my net income and I didn't have any problems

Thanks Melanie and Ang, Melanie, I agree with you and don't have a problem with 'overpaying'. To be perfectly honest it makes sense for me that my creditors will want to get as much money as possible as soon as possible from a risk reducement point of view. I will obviously contact my IP as soon as ...

Thanks Ang, that's what I thought too.

Either way is a good proposition ultimately, but knowing would allow me to plan accordingly

Hi Ang, To be honest it doesn't say anything other than the in excess of £500 windfall clause going to creditors. I have no problem paying back the full amount including fees and statutory interest, which I should now be in a position to do. However even if I do this, from my I&E calculations includ...

Hi, I had my IVA agreed at 46p in the £ around seven months ago and all has been going OK. I have however managed to negotiate a substantial payrise and bonus at work this year which by my calculations would mean that I would now be able to repay 100p in the £ and all relevant IP fees, etc. Even doi...

Thanks for the quick reply Melanie. That's what I thought but it's always best to hear it from someone who knows. I must admit I was very suprised at how quick and relatively painless the whole process was, just a shame that I managed to get in this situation in the first place. I seem to have had a...

Hi, I wish I had found this place sooner, as I have had many questions leading up to the recent acceptance of my IVA it was accepted on 27/06/07 at 41p in the £ for just over £45k My breakdown of debt is as follows Barclays (loans and overdraft) - £13.5k Capital One - £5.1k Egg Card and Loan - £12.7...