Hi all, Thank you for all of your answers yesterday regarding HFO Collection Agency, I am very lucky to be in the position where my father is willing to lend me the money to pay off all of my creditors without the need to go into an IVA, I have spoken to HFO and they have said that they will reduce ...

I was just wondering if anyone has had any dealings with a Debt Collection Agency called HFO, They rang me on Saturday Afternoon at about 6.00pm chasing a relatively small amount of money and they wanted to set up a payment plan, they asked me for my bank details to set this up and when I refused to...

Has anyone decided thatt an IVA is not the right way for them to go after receiving their proposal and if so what did the IPCompany say when you told them this.

Thanks Melanie, I would have let them know sooner if I had known myself, I just can't help feeling guilty that a lot of work has gone into my proposal and there is a section in it r.e supervisors and nominees fees stating about photocopying, postage and telephone costs etc will I not be liable for a...

Hi all, This is my first post although I have been reading everyone elses for quite a while now, I could never pluck up the courage to post myself, My problem is that I have received my IVA Proposal today and after reading through everything I am not sure that it is what I want to do, My family have...