Please can you help. I went b/c in March. My wife has a credit rating of 999 which is excellent as you will agree. The problem is my wife applied for a credit card and has been refused. Would this be because of my b/c.? It seems unfair that she is being penalised because of me. We have no credit in ...

HI EVERYONE, I WENT BC LAST MONTH. I HAVE BEEN OFFERED SOME OVERTIME AT WORK. WILL I HAVE TO PAY THE MONEY TO THE OR, WOULD THEY BE NOTIFIED AND IF SO BY WHO?
ANY ADVISE WOULD BE APPRECIATED. THANKS NICK.

HI SKIPPY, NO I DO NOT KNOW WHEN MY MEETING IS WITH THE OR,
IWILL KEEP YOU INFORMED. I WENT TO CO OP BANK TO OPEN NEW ACCOUNT, NO PROBLEMS AT ALL!
GOOD LUCK TO YOU
NICK

HI AND THAKYOU FOR YOUR REPLIES. WELL, I WENT TO COURT AT 10.30 AND MY BC WAS DONE BY 11 AM!! I DID NOT EVEN HAVE TO SEE THE JUDGE. ALL I CAN SAY TO ANYONE FEELING WORRIED ABOUT GOING TO COURT IS THAT IT IS A PAINLESS PROCCESS AND EVERYONE AT THE COURT WERE VERY HELPFUL. I MAY NOT EVEN HAVE TO SEE T...

PLEASE CAN YOU ADVISE? I AM GOING TO COURT TOMORROW AT 10.30AM TO HAND IN MY PETITION FOR BC. HAVE TO FILL ALL THESE 30PAGES. I AM A BIT CONFUSED BY SOME OF THE QUESTIONS. CAN YOU PLEASE TELL ME IF THERE IS A GUIDANCE BOOK I CAN DOWNLOAD AND PRINT OFF. IF SO WHAT IS THE WEB ADDRESS, MY PROBLEM IS TH...

HI MELANIE
I HAVE FINALLY JUST SPOKEN TO MY IP. HE IS ADAMANT I MUST PAY £478, I TOLD HIM I COULD NOT AFFORD THIS AND HE SAYS THAT HE WILL SEND ME A NEW EXPENDITURE FORM TO FILL IN.WILL KEEP YOU INFORMED
NICK

HI MELANIE, I WROTE TO YOU LAST WEEK ASKING CAN I OPT OUT OF AN IVA. I FOUND YOUR ADVICE VERY HELPFUL BUT ALL TO NO AVAIL! I AM FINDING IT IMPOSSIBLE TO TALK TO MY IP ON THE TELEPHONE, HE IS ALWAYS "UNAVAILABLE". WHEN EVER I RING CLEAR START THEY SAY SOMEONE WILL RING BACK BUT THEY NEVER DO.IF YOU R...

HI MELANIE. NO I CANNOT RECALL WHO I SPOKE TO ALL I KNOW IT WAS A YOUNG LADY. YES I DID SIGN FOR £487 BUT AS I SAY I WAS TOLD THIS WAS A PROVISIONAL FIGURE. FOR THE FIRST 3 MONTHS I WAS PAYING £363 PM, THIS WAS EVEN BEFORE MY IVA WAS ACCEPTED. THIS THEY SAY PUT ME IN CREDIT AND THAT IS WHY I HAVE BE...

THANKS MELANIE FOR YOUR PROMPT REPLY TO MY QUESTION. I HAVE BEEN PAYING £307 PM FOR 9 MONTHS. MY FIRST IVA APPLICATION WAS REFUSED, I THEN HAD A LETTER ASKING THAT I PAY £487 PM. WHEN I RANG CLEAR START THEY TOLD ME THAT THIS WAS ONLY A PROVISIONAL FIGURE AND WOULD BE ADJUSTED. I T5HEN RECIEVED A LE...

ONCE I ENTER AN IVA CAN I OPT OUT. I AM FINDING MY RE PAYMENTS VERY DIFFICULT. I HAVE PAID OVER £3000 INTO THE IVA OVER THE THE LAST 9 MONTHS, WHAT HAPPENS TO THAT MONEY? IF I DEFAULT AND GO BC WHO PAYS? THANKS NICK