sorry if anyone could still see if they can help me with my original question, i would be so so grateful...
thanks xx

Hi, Im really sorry to hear about your unfortunate situation, there is nothing worse than worrying over money. I am in an IVA and MBNA were one of my creditors too and they are the most fierce and worst to deal with. Although they did not sell my debt before the IVA, they eventually -after numerous ...

Well i deal with debt free direct mainly but the Supervisor of the IVA is Thomas Redman?

Hi, Me and my wife went into an IVA together in February 2006. May i say at this point all the debt was hers. However, since then we have split up. The marital home is only just exchanging (today) and any equity will be paid to the IVA company. However, even though we are getting divorced the IVA co...

Hi Just to let you all know that after all the advice i went back to synergi - they confirmed that i have made 7 payments to my IVA and not just the one. I have asked them to put that in writing but they seem to be a bit slow at doing this! however, i have spoken to three different people now who ha...

Well thank you everyone for your help. I will go home tonight and read my wording very carefully and come back tomorrow and write the wording out so if you could let me know what you all think tomorrow.x 1 down 59 to go, or possibly 8 down 52 to go!?!![:0]

Sorry, so are you saying that when the house sells even though im signed onto the IVA with my wife, i can have my share of equity in the house? As we have now been given an exchange date of next friday and ive been told by my ex that the 11k of equity is to pay off (if accepted by the creditors) the...

I originally made the enquiry phonecall to the debt councellors in May, then in June sent them 3 cheques back-dated for June, July, August. After about a month my file was passed to Synergi. Once those 3 months were up, i had to set up a standing order to continue paying them £384 a month. They said...

I would just like to let you know that my situation was exactly the same, adjourned twice! then when i asked the question "well what will happen if the creditors cant agree?" the reply i got was "well you can go bankrupt". AAHHHHHHHHHHH!! unfortunately IP's do this every single day hundreds of times...

Hi, just to say that MBNA were the worst to me and had me in tears on several occasions. Yes the majority of the time its our own fault for our debt, but sometimes its not. Things happen in life to people that are out of their control. however, MBNA do not care, they rang me at all hours chasing mon...

I am asking this on behalf of a friend of mine... I originally started looking into IVA last May and pretty much immediately starting paying £384 a month from June. My IVA wasnt officially agreed by the creditors until January this year so 7 payments on...i was just wondering if these are part of my...

sorry, i got that wrong, i checked last night and it wasnt to make it quicker. It was to help with the payments. i thought and she told me it would reduce the term. but no its a 60 month iva. She went into it in March 05 and i signed onto it a few months later. It is not a separate IVA as i have no ...

My wife signed up to an IVA without me knowing a year ago, i found out and didnt really understand the extent of how serious it was and signed onto it as joint to pay it off quicker and half the payments. We owned our own house and a condition was that we could not sell. However, we have split up an...