No, think he must be figment of someones imagination. Wrote letter to DFD. They have now written to Black Horse asking them to treat debt as unsecured asw no longer have caavan!Black Horses reputation is well known so not holding my breath that they will be kind to us.Just hate all this waiting and ...

Tried that link but web site is not available anymore!

Thankyou. We have only ever been able to speak with admin staff so will give that a try.

Hi, turned to this forum after getting iva, although had read many postings prior to this.Thought that you could 'post' and not be judged but must have missed the point. We did mistakenly sell an item that was on HP, can't change that now! Looks as if we will fail our iva because we cannot afford hp...

We now know caravan was on HP but thought it was loan and no longer have the caravan.The sum oustanding to BH was included in our IVA. DFD say that they annot reduc IVA by sum allowed for BH help us make monthly payments to BH as we will now have to do. Thay also say that this expenditure cannot be ...

have done that and confirmed it was secured but we no longer have the caravan

Thanks, could do with some advice. Just when you think tht things are looking up along comes another prob.

Just started an IVA. Blackhorse are pestering as they say our loan with them was HP and not personal finance. We were stupid and not realised this but had told clearstart/dfd that we could not find paperwork, thought they verified details with creditors. We sold caravan we purchased 2 years ago and ...