Whilst waiting for our meeting, we just put the phone to answer phone. They phoned my hubby at work once and I phoned them to say that if we lost our jobs through their harassment then we would have to go bankrupt and they would get NO money.As you said, Egg were very good to us. Barclaycard not a r...

nkershaw. I waited for a while whilst thinking what to do and getting more depressed. The moment that I spoke to Tina from Melanies firm the cloud lifted and she went through all the options including bankruptcy and told me what I would lose etc ( which was nothing unless you have antiques etc worth...

the amount to start off was £8,995 or there abouts. she put £1200 deposit and had paid 150 for 34 months which leaves £2500 left to pay at end of finance (rough amounts)she is willing to carry it on. she is thinking of selling nearer time and paying off the amount owed then getting a runaround but I...

So glad it's not just us with this concern! Welsh boy. Thanks. will do if the rates increase, as no doubt they will.[:(] just a thought for the future of my IVA. worrying already and only just started lol! Will speak to C and G just to sound them out.

Hi there. if the mortgage rates go up and I am not in fixed deal (am with cheltenham and gloucester) and Lloyds were one of my creditors.Do they allow to go to interest only if there is no equity in the house? was reading another thread and it said they were refused because no equity? how do we make...

Thank you both for your help. Just starting my IVA and now have daughters worries as well! Kabby she has spoken to the call centre i think but I keep telling her to send off her proposal for proof but some times kids have ears that don't listen to their parents! will try to make her listen. Can't be...

Its an 06 ford KA so not sure how much it's worth Melanie. Also if it's on finance then can she sell it because surely the HPI check will show up? Kabby. I cannot be guarantor because I am in IVA. Thanks for your replies

Kabby3. Did you send them a copy of your proposal? were you with Ford for your car finance? Hope she can sort something out.

Kabby3. she has tried twice but Ford will not budge. Duncton have suggested that she sell her car to pay off the balloon payment and put deposit down for finance from them on a different car. think it is on lease with an option to buy so don't think she can do this. will speak to her later to actual...

Thanks Andy. Have emailed them.

Hi Andy. I am sure they don't do under £5000 loans?

[:I] that should be appreciated! my spelling bad!

Hi there. My daughter is in the third year of an IVA and her car lease finishes in December with a final payment of £2,500. Ford will not let her have the finance to pay this off, even though this allowance is included in the IVA because she wasn't in an IVA when starting the lease.She has tried neg...

I totally agree! [:)]

Good luck to you all. I have just started an IVA and the relief is immense! I too felt the same at the beginning and seemed to be swamped with finding statements, wage slips, etc.. the valuation was the worst bit to take time but now seems like a distant memory! Make sure that you build up a emergen...