does anyone know whats currently happening to the court cases regarding refunding bank charges??

well its been a rocky 2.5years with ups and downs and thank god it is a relief it is over. i put forward the offer on the 15th April and it was accepted yesterday just to give u all an idea of how long it took. i spoke to my IP yesterday and arranged to send in a cheque he advised my first priority ...

ive had some news this morning.. my full and final offer has been accepted. i was paying back £300 over 5 years. i am approximately half way through my iVA. I offered £6000 and it was accepted! im dead chuffed. my Ip has wrote to me to tell me its been accepted but not said what i should do now?? im...

Hiya, does anyone know where i can access my credit file via the forum. Ive got paranoid now as ive never checked mine and who knows what it mite say? XXXXXX

thanks chris for the response. i have rang them again and theyve just told me not to worry.

fingers crossed. xxx

Hiya, as i spoke about in my last post- ive made an offer in full & final settlement. ive been told that a report has to be drawn up for the creditators, they then have 35days to say yes or no. I contatced my IP today to ask how long this report takes? i advised i have just found out im pregnant and...

ive been in my IVA for about 2.5years. I have never been asked to supply bank statements, but i did read a couple of posts on here - where people have had to supply them. I think they are allowed to ask for them at any point. Im sure one of the experts will clarify?

i do feel for you, i am in the exact same situation. but im trying to end mine now with a full and final settlement. its best to be honest- as it'll always catch up with you in the long run. you Ip will want to see based on ure partners earning - whether you can contribute more, as the bills will be...

well as ive put forward my offer on thursday- ill keep you all posted on how long this will take. to either accept (fingers crossed) or reject. x

thanks for the messages... i have my fingers crossed for us both dots- the sooner this is behind me the better. I feel all nervous - lol

What ever happens im still going to keep looking at this forum. ive recomended it to a few people, my only wish is id found it earlier!

thank you so much for your advise, i have taken on board what u have said. Yesterday i wrote to the company and advised i am offering £7800 to clear the debt. i made it clear, as andy advised that my father was offering the money to pay for this only and i would then be paying my father with the dis...

I think that you need to go with your IP's advice on this one, as they are the people who have to put their name behind the revised offer. Hiya melanie, thanks for the advice. I get the feeling that they dont seem to be intrested in helping me settle early. theyve been great up until here. I mean t...

Hi there, i need some urgent advice. my father - bless him, has agree to pay for my entire wedding next year, well as we were discussing finances he was horrified to discover i was in an IVA. id discussed with my mother and as much as i had pleaded her to not discuss with my dad, i always thought sh...

So long as you are seen to be simply making your fair contribution towards your living expenses (rather than making payments towards the mortgage) then no-one can argue that you have acquired an interest in the house. However, you will understand that there will be a major change in the structure o...

Hi Did you own a house when your IVA was agreed ? No i did not own a home when the IVA was agreed- but i was agreed that if i was to own a house when the equity clause will be applicable. i am currently renting - and will be moving into my partners home in the nxt couple of months. this home will s...