Thanks for all the thoughts so far, I was under the impression that as the IVA was a legally binding agreement, cases such as this would be clear cut. However it does seem that this is not the case. I've taken some advice from a reputable source and I'm going to contact the Co op directly with a few...

Here's one to cogitate, I've been through a joint IVA with my now ex wife which we made a full and final settlement offer on proir to getting that divorce. Since getting the completion certificate I've claimed for unfair charges re the above account which the Co - Op have aceeded to, and 'credited m...

Well its been a while, and we're 9 months into our IVA with Accuma. After all of the advice and a lot of soulsearching and belt tightening we're not doing too bad financially. to any one else out there in a similar position, you've taken the first step in the right direction to sorting out your mess...

Thanks for the honest, feet on the ground advice, particularly from DebtDummy. Just in the process of compiling a list of IP's to contact and getting together the financial information. We are both agreed and 100% comitted to making this work. I'll keep you upto date with our progress.
Thanks again

Hi, my wife and I have racked up approximately £70k (£40k & £30k respectively)in debt consistion of loans ,cards and overdrafts. Our home is worth aprox £135k with on outstanding mortgage of £111k which is a "one account" with Nat West. We both work full time for a Council. My questions really are:-...