Thank you Michael . It appears that Metropolitan haven't even paid my share into the IVA and are just holding the money. Cleardebt will be on their case though :-) My husband signed the First direct letter accepting the payment that Cleardebt sent him but we didn't realise that there was a clause in...

I think they have but are they legally allowed to do this ? My husband ( not in an IVA) already has in place an agreement to repay his share of the loan to them which he did with them 5 years ago and has never defaulted Surely they cannot go back on this agreement without notifying him ? Also my sha...

Hi Mel Does it have to complete on all the PPI claims though ? I'm not sure what other companies offer but Cleardebt as Dan says offer a goodwill gesture on a successful claim of £500. DSRP have received one of mine back and I signed the acceptance a few months back. I asked them about the £500 and ...

Can I ask why if a successful claim has been made and paid over do we have to wait until all responses have come back from the creditors ?
The goodwill gesture applies to a successful claim. If one has been successful it surely doesn't matter about the rest does it ?

Thank you all , I'll pass this information onto her.

Had the same message from MBNA this afternoon and have been in an IVA since February. As soon as i told them that they hung up on me so that was that dealt with lol lol

Ah that's the one i meant when Wizzard was looking for a new chair not freeads like i said. Stupid me !!!
Great site i agree .

Hi Ray I don't know whether this is worth considering but here goes. I belong to the freeads site and it's where people put on line anything they want to get rid off free of charge. I've picked up some fantastic things all in immaculate condition the latest being a double buggy for when i have both ...

Thank you so much. I'll keep posting as it's such a supportive site and i don't feel alone anymore.
AS BT say "its good to talk"

Just realised that no council tax this month or next as it's only over 10 months so a good day all round today.

Choc and trashy TV it was Fergiedoggy although i couldn't tell you what i watched

IT WAS APPROVED !!!! So relieved i can't tell you.. have posted in tips for IVA success .

Big thanks and hugs to you all xxxx

Well my IVA had been approved and i am so relieved. Many thanks to Adam at Cleardebt who made the whole thing possible for me.One thing left to do now and that's for my husband to arrange with HSBC payments for the joint loan and overdraft which they wouldn't do until they knew the outcome today so ...

Yes CJ it is Chelsea and like you i said i didn;t think it was very fair when i hadn't asked for it but they told me it was their policy to do so to protect their interest. Well if it's to protect their interest and not mine then they should pay not me. Don't think i'll be able to speak when my IP r...

Well today is the day of my creditors meeting in approx 2 hours i will know the the outcome and have taken the day off work as i will not be able to concentrate in there. My stomach is knots . Anyway sorry i've gone off the subject. I have had a letter from the building society saying that they have...

Good luck tomorrow and wishing you a speedy recovery

I am absolutely fuming as my daughter works in the court where my proposal was filed and the woman who filed it actually rang other people in the office that evening to tell them what i had done and how much i owed etc etc. Luckily i had mentioned the IVA to my daughter but she is very embarrassed. ...