Hiya - Sorry, I should have made myself clear. As far as I am aware, Eversheds haven't bought the debt they are acting under the instructions of Northern Rock. Payplan have advised it is pointless to try an IVA again as Northern Rock are refusing every single IVA request and have been for quite some...

Hello, I have been making monthly payments to my creditors for the past 12 months (although there was one missed payment in that time) as my IVA was refused. My main creditor by quite some margin is Northern Rock. Now 12 months has passed, I am suddenly getting telephone calls from Eversheds telling...