I am sure someone will be able to help, bumping back to the top [:)]

Bumping you back up

Thank you for your quick reply, he was asked when he signed the agreement if he wanted payment protection and GAP insurance, he said yes to both but they say he only agreed to GAP insurance. He has never had to check this before so is pretty upset that it is not protected. I will get him to call aga...

I dont know if anyone can help me but just wondering if i could get some advice. My partner has car finance with welcome finance and has just been laid off last month, he contacted them as he thought he had payment protection in place but was told he does not. He asked if there was anyway he could h...

I was struggling but wanted to pay everything i owed, then out of the blue Churchwood financial called and asked me about my debts, after talking to the woman she recommended an IVA and estimated how much money i would save per month and it would be 60 months where as she worked it out i could pay o...

From experieance as i am with Kingsgate (sister company of Churchwood financial) i would definatly try and get out. I had to pay over £300 up front fee's and whenever you call they refuse to put you through to your IP and say they will leave messages...and in 9 months of ringing all the time i have ...

Thanks for the replies guys, i currenlty pay £210 per month at 35p/£ Original debt was approx £24000 i have only paid 8 payments so far due to missing Decembers...its difficult to speak to your IP, i speak to someone different everytime but i guess it has to be done. £175 was Reeds Rain estate agent...

Hi, i am in an IVA and have been since March 08. Everything has been going good until recently, i called my IP in Decemeber as i have no where to live and needed to pay £175 for a credit check...they allowed me to miss decembers payment and pay extra for the next 4 months to cover this. But my worry...

I am offering people to move in with me but so far there are no takers, it might change hopefully. Yes i will see how it goes, i will accept it and fingers crossed hope for the best. will try n apply for housing n council tax benefit too, but not sure they will cause all my otgoings are covered n th...

Thanks for replies, I have been in my IVA 7 months now, it will be my 8th payment at the end of this month. Originally my friend said i could stay there till my IVA is complete, because i could not afford to private rent anywhere, even flats where expensive. I have been on housing lists since i left...

Hi all, I have been staying with friends for years since a breakup, when i signed up to my IVA i was at one friends house, then 2 months later (when she moved her partner in) i moved into another friends house, obviously i just pay them half of everything towards the costs of living but its there ho...

Hi
I received an extra £40 in my pay pack each month, but my rent went up £100 so they said i do not have to pay anymore into my IVA, but i still Have to use contingencies and some food allowence to cover my rent, my wage will go up again soon so hopefully that will balance everything out [:)]

It just gets better [:D] thank you Melanie, she might sleep a little better tonight. This forum is fantastic, its so informative and helpful, and i think its fantastic that you are so dedicated to helping everyone even at all hours of the night. You deserve an award, i have never known someone to ca...

Thank you, he is fine with paying them he just did not want the bankruptcy to effect him to. thank you so much for your help and advice, i will get her to sort this out as soon as she can [:)]

Thank you for your replies, i completly forgot about the register, we found him [:)] now she can pass his details on to CSA and hopefully get some money for his children. Dont know how this works since he is bankrupt but surely they can get something, at least thats one thing that has made her smile...