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Posted: Sat Jan 05, 2008 7:03 am
by caraf
Hi
I have a well known clothes catalogue, who where one of my creditors is my recently approved iva.
Can I still order and use the catalogue or not ?
Posted: Sat Jan 05, 2008 10:04 am
by MelanieGiles
Not on credit terms without the approval of your IP - and I would be surprised if the would allow this in any case.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Posted: Sat Jan 05, 2008 11:39 am
by emma_t
Caraf, I would think the catalogue would not let you order and have closed your account if they are included in your iva
I have a catalogue, which I very rarely use, this has no credit terms I pay when I order and then they send the goods. Have not used this since my iva was approved though as not needed anything new.
Posted: Sat Jan 05, 2008 11:46 am
by Soulgrowth
Hi Caraf
"Next" were one of my creditors (even though I only had a very small balance with them and didn't want then to be, but of course you have to treat all your creditors the same). The clothes that I don't buy from the charity shop I buy from Next so this was quite a blow!! My daughter now has a "Next" catalogue and I order via her and pay upfront [:)]
Debbie
www.familyceremonies.co.uk
www.soulgrowth.co.uk
Posted: Sat Jan 05, 2008 12:08 pm
by olympic_torch
I buy a lot of my clothes from the Army and Navy Stores.
Mind you, it's not much fun going to work dressed as a Japanese admiral.
Aucto Splendore Resurgo.
(8 down, 52 to go)
Posted: Sat Jan 05, 2008 4:39 pm
by cat 1
Two of my creditors were clothes catalogues.I know I can't get credit and wouls have to pay immediately on ordering, but would they stop me from ordering again? I've not tried since the IVA but would proberbly use the catalogues again if i could?? Cat1
Posted: Sat Jan 05, 2008 5:54 pm
by Adam Davies
Hi
If you paid over the phone on a debit card then I would think that you could order from them again.
Regards
Andy Davie
IVA.co.uk Spokesperson and Website Manager
About me:
http://www.iva.co.uk/andy_davie_profile.asp
IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Posted: Sat Jan 05, 2008 5:58 pm
by aguise
I tend to mooch all the time when shopping and buy in the sales. I had catalogues, the trouble is they can quickly escalate and the more you buy they just keep putting up the credit limits.
Ang
Please visit my blog at
http://aguise.blogs.iva.co.uk/
Posted: Sat Jan 05, 2008 6:14 pm
by cat 1
thanks Andy and Ang...I mouch around too for my clothes.I tend to have quite alot of them (but never very expensive)I had to have certain catalogue for 'big girls' as there's not loads of choice if you want to look near decent when you're not a size um 12, 14,onwards and upwards...
I've just sold 2 items on ebay and made £7.50.Minutes later I bought a top for £4.99 so this may not be so good for me .Cat[:I]
Posted: Sat Jan 05, 2008 6:35 pm
by aguise
Cat I'm not an um size 12 or 14 either. i have just made an offer on ebay for a dressing gown was £10 buy it now or make an offer. I offered £5.00 and have won it, brand new, £50 retail value. Us big girls just have to look a bit harder. lol xxx
Ang
Please visit my blog at
http://aguise.blogs.iva.co.uk/
Posted: Mon Jan 07, 2008 5:06 pm
by e.h
olympic_torch wrote:
I buy a lot of my clothes from the Army and Navy Stores.
Mind you, it's not much fun going to work dressed as a Japanese admiral.
Aucto Splendore Resurgo.
(8 down, 52 to go)
Posted: Mon Jan 07, 2008 5:07 pm
by e.h
olympic_torch wrote:
I buy a lot of my clothes from the Army and Navy Stores.
Mind you, it's not much fun going to work dressed as a Japanese admiral.
Aucto Splendore Resurgo.
(8 down, 52 to go)
This has just made me crack up laughing!
Brilliant.
Liz
x
Posted: Mon Jan 07, 2008 5:35 pm
by The Stones
olympic_torch wrote:
I buy a lot of my clothes from the Army and Navy Stores.
Mind you, it's not much fun going to work dressed as a Japanese admiral.
Aucto Splendore Resurgo.
(8 down, 52 to go)
Made us chuckle too!!![:D][:D][:D]
Posted: Fri Aug 08, 2008 3:44 pm
by natalie speirs
hello
Posted: Fri Aug 08, 2008 3:47 pm
by chris.g
hello, welcome