www.iva.co.uk

Some awful person stole my phone and racked up £400 pounds worth olf calls on it because they made these before I realised it was gone and ancelled it, I am liable. Orange will not do anything so I will have to pay it off monthly. How? I have no idea because things are tight as it is and I feel like I am in debt all over again!

Feeling very blue

Oh Flippin heck[:(!][:(!][:(!]

Surely there is something they can do if your phone is stolen[?]

Really not what you need at all x

That's terrible rockstarloz, so sorry that you are liable, talk to your IP, I'm sure something can be sorted to repay it. X

I'm so sorry to hear that. Like Emma says talk to your IP and hopefully they will be able to sort something out x

Thanks guys, I will talk to him tomorrow but not hopeful there is much he will be bale to do. They have just point blank refused to do anything although have acknowledged that it probably wasn't me ringing Namibia!!!

Thats rubbish!!! My friend a few months back had his snatched out his hand while he was talking on it- they argued that cos he had it on show in the street they wouldnt pay!!!! Madness !!!! Phone insurance firms are laughing they never pay up!

Very tricky to deal with if you are already in an IVA. If your IVA has not yet been approved, the creditor can be included into the proceedings.

See if you can offer the pay off the debt in instalments and ask if you can reduce your IVA payments to compensate for this - if you already have an IVA in place.

cool, I shall ring tomorrow. They have been great with me so far so fingers crossed.

have you checked if your home insurance policy covers you?

By bad luck I am setting up new insurance so I would not be covered right now! My ashing machine has broken too! It never rains but it pours!!!! Sorry I shall stop me moaning now!

my washer packed up also so i set an insurance up for this its a bit like homecare they pay for parts and labour and it costs me £7 a month because i cant afford a new one and its old and always packing up

That sounds good credit crunched. I can get one for £80 second hand but it is gonna make things a struggle this month. I am going to write this month off as a rubbish month and move on to a better month next month!

thats the way positive thinking!!!!!!!

tommorows a better day[:D]

Hi again, spoke to the IVA company and he said you cant take a payment holiday in an IVA at all. He said he would call me back but he didnt I rang again twice and was assured he would call but nothing and he has now gone home. I know he is busy but it is playing on my mind so could have done with sorting it today.

Dude you can take a payment break in an IVA