Hi Melanie and Andy, Just wanted to let you know..... my full and final has finally been accepted, 2 days ago!! (£5,500) Took a while getting the meeting sorted, but what a weight off my mind! (Especially now am up to my armpits in a little lady's dirty nappies!! No time for anything else with a lii...

Thanks! I definately don't want the boat rocked! Thanks for the letter templates also. I shall keep you posted!

Well, that's interesting that they are trying to charge another £1500 for "settlement fee" that they are not really entitled to, looking at what you say! It's so good to have discovered this site and get some independent advice like this instead of having to take everything they tell me on the chin ...

Hi Andy, Thanks so much for the advice - is great to get abit of reassurance on the whole situation, and advice on course of action and what IP can and cannot do! I agree that the fees do seem really (heart breakingly!) high! I was so keen to sign the agreement when they said it would be accepted as...

I have held an IVA for the past three years. It was set up as 52p in the £ of £23834, (with no assets in the contract), and to date I have paid in £13782.The IVA was set up accounting for both mine and my partner's income, as mine alone was insufficient to qualify. All debts however were in my name ...