Melanie Correct me if I am wrong First an IVA generates significant funds to the I/p logical you have a business to run. Voluntary Bankruptcy to the individual costs nothing if they apply themselves no money to you. Unless you are one of the firms that charge I dont believe that for a minute My ques...

it appears i am now locked out bwhy i dont no !!!!!

good luck all i asked is why no one is fighting for equality between iva and b/r fees
met on deff ears.

then tell me the LASTlast time this was invoked

i see some pages are on 12 / 13

i am not sure that this is wright

why is it a problem to suggest other than b/r the iva why should there be a difference.

both are supervisede by the court what is the difference

Whilst i accept everything said,

It seems strange that a simple question results in the end of subject,
I thought this was an open Forum.

Sorry if I have upset some people not sure why !!!

OK I mmanaged to upset alot of people. Apolgies however straight question Melanie. Why in B/r is it 3 years In iva 5/6 Forget the question of law and creditors what is the difference In european law this would end up filed My concern is this B/r lasts 3 years. If Iva was the same what would be the p...

I am sorry Melanie I appreciate your comments the not petionng the goverment or the European court to change this. How can an unsecured loan suddenley become secured I think european law woud say so but were are your cases in front of that court. Or is it easy to just take the fees. But why would so...

Melanie in answer to your question. can i only say I have total admiration for the assistance you have given to me. However I again ask the question if a company lends money to someone who cant possibly pay it back Who holds them to task I can tell you that a national bank up to recently if you paid...

Elv i am not having a go At Melanie its the system thats wrong. I sign up to an unsecured loan then how come it can become secured. Where does European law stand on that Sureley that is wrong in that case what are the I/p doing about that. Its easy to comment about Iva versus v B/r but from what i c...

Right IVA I totally agree with your sentiments. However this is another thought if you read David Monds responses they are totally responsible and professional and independant Being a professional person sometimes Melanie appears to get too close which is not good for everybody. We truly rely on tha...

Having just checked there web site.
This is the same as Card One Banking its also backed by the Newcastle Building society.
Only difference Cardone is £12.50 and Clear is under a tenner.
With regard to Card One just been to america for a week worked perfectly

Right end of subject As I said right at the start I cannot thank the experts enough there advice is so needed. This was never meant to have a go at Melanie, as i repeatedly said I have read and learned so much about this procedure from there advice. This was only a comment with regard to Postings. I...

Sorry Skippy I have to disagree please read it carefully. He was speaking with Michael who advised him to go to IVA.com. Also pointed out to him if it was a simple IVA then he could use anyone as most are dealt with by phone. Which was the proper advice. Its only when Melanie asks the question about...

Please do nnot think I am having a go I am not.

I have benefited greatly from the advice David and Melanie have posted on the different questions.

However read Help and advice needed by Matt3786.

Tell me thast is okay

Not wishing to disagree with you IVAS4US but if you google the word IVA. The 4th one down is the forum. The first thing anyone does in this situation is google IVA. Thats how I found this site. Again I know that Melanie gives excellent advice to all and I have benefitted however there is a point wer...