Yes thank you for that. I am going to collect as much info as I can and fight it / them. I am going to see what they say in Monday when and if they ring me back. If they say that's it and they can do nothing (which I fully expect) then I will start my process. Thanks for your help,tips, support. I'l...

Apparently there were 5 more payments due and they couldn't contact me.
Horrendous, I feel so ill

I have just spoken to HB apparantly the iva failed in its 60th month. They sent me a completion email jan13 tried to contact me by post may 13 as the email was sent in error (I moved April 13) and various emails at work (I was on maternity leave) They had a meeting with creditors nov13 and it was de...

Thanks guys I will do both suggestions and keep you posted.

Hi I have contacted HB with an official complaint. I have asked for details of why the iva failed. Why I wasnt contacted, details of what payments to which creditors and when. Proof of any attempts to contact me. They have acknowledged my complaint and are dealing with it. In the mean time do I cont...

Thanks slowlygoingunder, thinking about you too. Hang on in there. Sorry leese what you said means nothing to me maybe ive forgot what they are etc as it seems such a long time ago. Can you enlighten me please. I wasn't a home owner when I did the iva if that's anything to do with it. Thanks foggy t...

Another question if anyone can help. If I had to come to an arrangement with these debt collectors as a result of Harrington brooks error would it show on my credit file ?

Would it protect my house, I thought your house was at risk with iva ? Whatever I do I need to sort it quick. I am just so mad at them, I feel they're responsable for this whole mess and I am going to have to pick up the pieces again. Ruin my credit rating again and I was so proud I had turned mysel...

People are saying I need advice, where do I get it from. Am I going to loose my house. Please advise me

No nothing except the completion email. I imagine 60 months but can find out from the bank and confirm tomorrow.

I understand that but as far as I was concerned I had paid it up. I wouldn't have paid for 5 years then default at the last minute on purpose. surely they should have contacted me to let me know. After having an email saying it was complete why would I think anything else. What iva details do you wa...

I have replied saying it's not good enough and i want to make a complaint. What else can I do, I feel ill. It's not my error. As far as I was concerned I did all I could to mop up my mess as best I could. Is there anything else I can be doing ?

This is going from bad to worse. I decided to contact HB to ask for help and a copy of my certificate. they have just replied saying my iva failed due to arrears and the congratulations completion email must have been sent in error !!!! Therefore crediors are within their rights to chase me for the ...

I have just received yet another letter from 1st credit saying they may search my credit file if I do not engage with them. What should I do, please help ?