Well although this isn't really the right thread for this .. Its been investigated by Bcard , and despite the Police crime number / action fraud reference number and a long letter, and lots of evidence of the internet .. they still went ahead and paid it ????? barmy! ( and the dodgy webpage has disa...

its typical init ? 1 Day after I post everthing is all OK .. She gets scammed by a Fake website.. £90 @ risk. We've had to cancelled her new debit card. and though the payment is held up by Visa barclaycard, they reckon they will still pay out and then try to claim it back as they don't class it as ...

Just popped back, a bit early .. to wish everyone a decent Xmas etc etc ..

So its a year on and we/She is now in full control of her finances, and training her new partner. LOL.

take care all

Chris

Hi all, Just found time to pop back , with all this christmas thingummy wotzits going on. Just found her record on the insolvency register "discharged On 19 November 2009", seems to have taken a short while to update. but there it is . She learnt the hard way and its not going to happen again !! tak...

Well, looks like we( she) is there . As of 19th NOV.. its now well past the 12 months since the bankruptcy order. Heard nothing more from the OR since the last notification of the NIL IPA. Daughter has her life all in order now !! So hopefully this may be my last Message.. Have a ( best as you can) ...

Well word for word is : Dear Miss ********** Thank you for the additional information about your expenses. I have now revised my calculations and can confirm that you have insufficient disposable income to proceed with an Income Payment Agreement. Yours sincerely ******** Casework Manager so will ju...

well after a complete revising of the dispoables . a result ?? we have just had a email form the OR stating his calculations show my daughter has insufficient disposable income for an IPA. So where does does that now leave the situation. it fast approaching 12months since the BR . any clues??? Chris

Been reading this which gives clue or two to the guidelines.

http://www.insolvency.gov.uk/freedomofi ... t_2.htm#16

Chris

Hi all, interesting read, just replying to the OR asking for the figures again ?. and info on the info below !. As my daughter now has problems in getting to work,(shes a provisional driver and cannot always get an accompanying driver( usually MUM). Seems her options are limited to taking a few driv...

Well just had a reply from the OR, although there is enclosed a pamphlet and in the letter it says the info on figure /allowances is in it . it is not .. not single number mentioned anywhere.

Are they legally obliged to supply actual details of their calcs.

Hi,
Have asked the OR for this info, but on past performance it won't be hurtling here ..
3 weeks wait so far.
But in this current climate I expect they've a few customers to deal with?.

Chris

Hi to all again, been gone a while, dealing with life N things. Hope everyone is OK ?, well as OK as you can be on this forum ? ;-) Thought I 'd stick to this thread as its all on the same theme ( ish). The Comms with the OR has continued in the same proportions, I.E we send off info.. get little or...

At last a letter.. Thanks. for the effort from all here .. A pity the letter contained only a Cut N paste of an Email, Only addressing the problem letters,being sent after the b'ruptcy , nothing about my complaints on the overall handling of the IVA and what I think is an exorbitant charge for the t...

Hi,
Back again,

Thanks to all for the replies.

That does EXCLUDE Blair ....
as they are staying consistently quiet. in all respects, heard nothing from them .
take care

C.

Hi, back again... to report ... nothing.. No comms. As it was very easy for BE to send many unnesscessary letters for the months after the IVA ended,would it not be unreasonable to think that one letter could resolve this communication problem ?. C. PS.. 5 months approx since the BR, regular communi...