Manageable debt is the key, and yes some people here are in ivas because of business failures and not 'wreckless lending'.In truth,you are either in one or not...no point in taking any 'moral' high ground how one got into debt.Banks don't really care 'why' when they consider your IVA proposal?? Do t...

There are people not ever in iva with clear Credit files and can't get home loans...and in 2013 as you may have heard the FSA will introduce stringent criteria to assess affordability. Now 40% as a deposit isn't typical criteria!.There are 95% mortgage out here but then only a select few will qualif...

Why don't you buy a new car with 5 or 6 years of part and labour warranty.Borrow 10K and arrange for affordable payment.Everyone here will get back into borrowing/debt after their IVA.

The only way is buy buy buy.If it wasn't so good, why are we all here. Time to get more loans I say.

It is quite simple,the banks are thieves ,and they get away with what they do.The logic is their logic,the same perverse self forfilling logic as in PPI selling,bank charges,debit card usage charge abroad and the example you cited. Goodluck in getting the full amount back.Cos you wouldn't

I am taking my chances,I aren't daft and even if I have to wait 2 years to cliam after my IVA completion I will.I want my 10k, it is mine, the dividend agree by the creditors is my penance. I wait till the rush dies down,once my IVA is over, and the dust settle,then claim, it'll work you see. No one...

BOE, No attitude tonite, just the facts....I think our wires a bit crossed. My letter template say, sign to get Consumer credit agreements on PPI on CC or loans. No mis selling has been mentioned. Now it is not for me to say there has been no miss selling of ppi to me as other posters have mentioned...

sorry, I have received those investigative PPI papers,and ask to sign or else why I am I posting duhh, but I am NOT doing anything till I get the facts.So far I have got some facts here but a lot of uncertainties.. If you don't know say you don't know, I'll ask somewhere else.This aren't the only fo...

well, I don't know I have a ppi asset of 10k,I suspect I could from a private friendly disclosed opinion.I haven't claimed.The ppi asset doesn't exist. And plasticcraft and Kallis have committed to say you can keep ppi cliams with Samantha's case after the TD or IVA is over on page 1? Dividends sett...

Oh skippy ,I would say that the greatness of a nation is judged by how it does not abuse and mismanged debt....dont you agree.....the animal treatment thing....you got to be a veggie to stand by that statement? If you are Bravo.

You are playing with words foggy,alluding to as ifs and maybes , the answer is still no answer.I do not cliam I know and as you are forum expert it is not unfair for you to address tough questions.That is why you are here?

Ok, I aways like endorsed opinions,consensus rules. I like simple answers too. When I finish my iva in three months time,and cliam ppi 12 months later on my own and not use a firm as Martin Lewis recomends - I can or not keep it. A YES OR NO will do.There is 10k riding here. I want you to answer thi...

I think fuzzy logic has answered a question which others have failed and bogged down with conspiracy theory in the business dealings of DFD. It aren't anyone's concern? We now know no one will go to court in the EIF cases to defend their claim which was unknown till half an hour ago. It's what is us...

____________________________________________________________________________ -Quite simple ... the IP see's the PPI refund as an asset of the IVA and therefore payable into the IVA ... no mystery ! ____________________________________________________________________________ Naa,there is no way any I...

Now, what a lovely reassuring email....see..it doesn't hurt to have a claim assessed by whoever.Now if only EIF had come on here to say all that. Declan wasn't the man for this. Your email has done what that PPI forum thread failed to answer but generated lots of hot-air on link-up between DFD and E...

Why are people been asked to do PPI cliam during an IVA if they can cliam it after and keep £XXX!

ANYBODY GOT BOTTLE TO ANSWER THIS????