Hi - thank you for all the replies, all have helped me feel I can help her better. I roughly know her income but her expenditure I don't know, I know she has no assests or savings or means of getting hold of any money. My MIL works right through Christmas & im not going to get the time to go through...

Hello! To those that remember & know me! Right to get straight to the point my mother in law is in about £7,000 worth of debt to one creditor, being a bank account & credit card, she's got herself into trouble & stopped paying & changed bank accounts about 2/3 months ago, can't afford the repayments...

Thank you Julie, I was thinking about you the other day, thank you for your friendship & support, I hope dobby continues to be strong, i love your photos on FB & your family. Thank you to all - Jan, Lesley, Lulu, Foggy, plasticdaft, Kazza & many more on here & my FB (useless at remembering who's who...

Thank you, I still can't believe it, I was only thinking the other day I'm going to have to start chasing this up in new year, a stress I really wouldn't of needed at the moment. To all those starting, or already on the IVA journey, I wish you all the best, it's not easy & there can & will be hurdle...

Congratulations Sensible77!

I had to read mine twice! I think I expected the certificate to look like one like you get for an award![:I][:D]

Hey all! Well I've just come home to find my CC from GT! We are officially Debt Free! I'm in shock as it's come quicker than I expected, final payment was April this year.... I'm so happy! Thank you GT, but the people I really need to thank is the forum & the many friends I've made on here along the...

Hi foggy - absolutely on the edge of just crying over this! I now know sincerely peoples frustrations on the forum, of wanting their IVAs to end with a CC. This is such an added extra pressure for anyone to go through or after their IVA, and in a way a understandable one from a IP/creditor view. I/w...

Hi foggy No I did nothing with theses letters back in 2009 as we felt we were not missold any PPI on our loan & therefore felt we had nothing to claim. Our IVA was with BE at the time & they had no issue with PPI & simply said from our IVA being approved either forward or ignore any further correspo...

Bump!

Morning all, can anyone else share any thoughts on this, I'm still waiting on a call back.

Hi Ginger
I sincerely hope not, I am worried & I have contacted GT & awaiting a call back.

I simply have not challenged the PPI as we were fully aware of what we were taking out & wanted the protection at the time for just incase scenarios.

Hello all! I need some help please! Our last payment was April this year & Our IVA is with GT so I've not been not been in a rush to chase them yet. A few months prior to completing the IVA we were sent all the PPI/bank charges information. I contacted GT & told them we felt we had not been mis sold...

Morning Tina - thank you for that, I thought that might be the case. Everything settling down here, had a tough 5 months with personal matters, for once not financial ones! Finished paying the IVA 4 months ago & enjoying saving the pennies! X

Good morning Martyn & welcome to the forum,

Who is/was your current IVA provider?

Morning all, I am extremely disappointed to read this post, having just changed to the Co op cash minder account from a Lloyds Current account due to them pulling the rug from under People in IVAs feet. I think i recieved these new t&c but i didnt read them & possibly filled or binned them (had more...