Thanks for that can i also be expected to extend the term of the mortgage to repay this extra borrowing.

Thanks for that,i will try and find a claims company to act for me i had previously tried one firm who listened and took details and got all excited until i told them i was in an iva then they said that they couldnt continue with claim.

Any advice please i have been in an iva since apr 09 and was just looking through statements from cc companies,most of which had large ppi premiums every month,Q,, is it possible to claim for mis selling while in an iva , obviously they might take any compensation or refund and offset against their ...

Yes Jan
Barclays Partner Finance
will send to ip
thanks

Hi all Just recieved a letter from Bpf again , this time it has come with a fixed sum loan agreement for me to sign and send back and they will pay off my original debt with themselves but extend the new agreement with new payments and 0% interest,i think this is a case of when the horse has bolted ...

jan read your comment on these a while ago but by then i was allready tied,they stated that creditors wanted to drop other utilities g and e by £ 20 at meeting but i then faxed them my last years bills and it then got approved ,i certainly get the feeling that they were pushing for acceptance more f...

Thanks David Water rates are £ 413 so £ 20 still on low side Never mentioned DMP until paperwork arrived that said these had been explained,also got a letter to sign saying i had been advised bankruptcy, i wouldnt sign that has i hadnt recieved this information, what would criteria have been for DMP...

Thanks will certainly be doing my best

Melanie M D & Credit I found them just by using internet some site which directed them to me i think, everything seemed to happen so quick,within a week forms signed and meeting within a month,i almost feel like ive missed out on some thing by not speaking to others like yourself, still too late now...

The more i ask the more i feel i was badly advised,
a lot of my allowances seem below other forum members,
its not as though i dont pay a good amount every month, after reading other posts my proposal seemed to sail through ie not a lot of contact with firm maybe 2 calls at most.

Is it normal to speak to my IP at some point before the meeting or just the case handler,

Thanks Melanie
Surely then there is no incentive to shop around for savings as in the long run it will cost you more , phone calls etc.the water rates thing is just another to add to my list where my advisor ( if thats the right term) said £ 45 was too high maximum was £ 20

A few questions please 1 what happens when your gas electric bills drop over the year , at review would the creditors get this extra money or is your allowance at acceptance carried on into following years 2 when given an allowance for insurance etc / same question what happens to savings made by sh...

not sure sparkly but food allowance set at £ 440 family of 4 obviously out of pocket school dinners alone £18.50 per week any guidelines for transport costs ie bus fares etc can i put my case forward that allowances were not enough at next review,or should i chase it now, am surviving ok for now but...

Yes just rechecked definately school/workmeals£ 20