Sounds good news on here! Yorkshire Bank is also part of the Clydesdale.Maybe it's down to local attitudes and different people and the luck of the draw!
razamataz_

Hi Dominic, Good work! I quoted just the word Harassment at the end of my letters about the many calls and letters- unnervingly it has gone very quiet now but i also use the 'Choose to Refuse' that BT do with a particular number that was very stressful-it is free for a month and then if you need any...

Hi Andrew_xib, Sorry to intervene but you are in good hands on this forum as you have gathered, and will get expert brill help, but it sounds bizarre even to me who hasn't been thru IVA. There must be a Professional Body to put a Complaint in about the Accounting Company who it seems made an awful r...

Hi Nickych, If you are with BT they have a 'choose to refuse' scheme free for first month then £3 odd thereafter and you can put in the bothersome number to stop it from calling you. You could change phone number or take phone off hook sometimes until 9pm. Hope helpful, it really stresses you this k...

Hi Ruthie, You have had some good replies here. Also a piece of information I have is under 'Bailiffs laws' that if living Rurally a vehicle could be classed as a Basic necessity, and as Melanie stated if vehicle in higher price bracket and you have ex number children or have a job that warrants a m...

Hi David, Whilst in essence the Charitable organizations are there to assist it is window dressing in some instances, as CAB is strapped for cash and some branches do not have a trained Debt Worker only Advisers or Welfare Benefits worker,and tho they may do an Income&Expenditure sheet for you you w...

Hi Lonely, There seems confusion with so called Basic accounts now as they usually do not have a cheque book only a cash card. Clydesdale also have a Basic cashcard that is dual and you can have online facility but no cheque book.I once went into local Nationwide and asked for a Basic cashcard accou...

Hi Leem, Do make sure you make all of your creditors equal in the £1 token payment[;)] i recieved a letter confirming collection agency will accept £1 per month but only by standing order? I don't have a bank account to do this with as the debt is from my current account in the first place and that ...

Hi Leem, A token payment can be in order if creditors think you are so poor that you can't pay but it's usually for a six month period and then the debt is either waived or it usually reverts back to it's former self.[8~2]Have a look at Insolvencyhelpline.co.uk as there is info about it on there. [:...

[88]Hi Ian, As a rule of thumb they should not be looking at your Credit ref file if you are not applying for credit.[:)] But sometime ago even the Nationwide seemingly changed there Basic and seem to say basic current account according to my local branch- I wonder if there is a catch with all this ...

Hi Skippy, [:x)]I thought you had to be a home owner for IVA? I assume you are working tho'! regards razamataz_ I was contacted by one of these companies (apparently they are going to send me their newsletter - yippee!) offering to help me settly my IVA by remortgaging. Just one problem - I have not...

Hi Distressed, I understand your fear of bankruptcy i feel same way to be honest tho'it may go that way yet. Folks are very supportive on this forum and some great Experts and it's good to see other people's views and experiences. Speak with someone at MYVESTA too for they are very kind there and wo...

Hi sara[88] We can all do things to offer cold comfort during times of extra stressors, and break up of relationship is akin to bereavement. One thing that crossed my mind is do you gamble frequently or was it a one off cos in bankruptcy if it came to it i understand they can penalise you for gambli...

My local Citizens Advice Adviser lists it under Priority Debts. However on CAB Website i found it could be put under ordinary debts to be challenged, so i emailed pointing out this as was confusing. I would say it is a Priority debt but you could challenge this and you can also write saying that you...

Hi C.24[:)] I can empathize with your sister as i felt the same before xmas as i had immense stress from a few different sources as well as sheer volume of harassment from creditors,including a black Range Rover and a strange man knocking at my door just two weeks into missing a payment,it takes a l...