Hi Andy, what a great letter of complaint, well done mate. I did not know there was a petition for signatures ongoing, i will get my name added ASAP. Why not remind people of this petition there have been loads of new people joining this site since it was posted. You never know it could swell the nu...

I sincerely hope so ulie.

best wishes
JD

I have spoken to many of their 'customers' who did not have a suitable or indeed viable IVA proposal and subsequently failed. I have seen couples with joint debts in an IVA with all the joint income taken for the VA and only one of the couple in a VA. The other being relentlessley pursued by the cre...

Hi Ian, Thanks for the explanation re - sticky.. what a good idea by the way. I am certainly going to recommend people make the complaint. I am glad that the R3 are actually making some noises abiut this. I have been talking with TS but its difficult to get anyone interested. Hi ang - i think that y...

I wouldn't touch Accuma for all the tea in China. Mel is highly recommended as being one of those old fashioned IVA practitioners that simply do the job properly !!

Well said Ang !!

to the future !! (imaginary glass of champers in hand raised to your familys good health)[:)]

best wishes and good luck[:)]

you should change your pseudonymn ( is that how you spell it ?) becuase by taking this first step - you certainly do not have your head in the sand any more. Good luck and best wishes .

JD

At the risk of being silly, what is a 'sticky' ?

I agree with Mel. I have seen umpteen of these together products and their agreements. Not all these agreements have the all monies clause. Those that I have seen with the AMC have been invoked every time ! Those agreements that dont go for CO's virtually every time !! The early agreements almost al...

Hi Biaze, You might be better advised to get an impartial view from either CCCS, National Debtline CAB or indeed one of the IP's that regularly post on here. An IVA is but one option, you should properly consider all ofyour available options. out of curiosity, what percentage of your total unsecured...

Well said Aguise.... although I am sure the 'be polite' bit might be a stretch under the circumstances but then I suffer with road rage - which is why i now take the train !

I think that the £800.00 has not been paid upfront rather that simply a description of what the IVA will costs etc.

Hi Paulanylight, Is there no way that you can save your IVA. Just seems a shame that 16mths in your va couldfail. If you go Brpt you will add on possible 36mths of payments so a real shame. I would send another letter,by recorded delivery and then contact the Association of Insolvency Practitioners ...

forgot to add - dont be bullied and dont pay what you can not afford. Dont forget, the telephone is a marvellous tool, if you dont like what someone is saying put it down. Alternatively, put the telephone down next to some boring music and leave it. I am sure that at some point these idiots at the D...

When they call, they ask you to confirm identity for DPA. Refuse. Tell them that the frequency of the calls is tantamount to Harasment which is contrary to section 40 of teh administration of justice act 1970 and in direct contravention to the office of fair trading debt collection guidance OFT664. ...