IVA Calculator - Do I qualify?

Have to say I agree with Foggy - the idea is to pay back as much as you can and not ignore letters or calls - it can only harm you in the long term.

If it is just in her name you have no responsibility to pay for it.

I believe it's Payplan.

Any PPI will need to go back to your creditors. We have had a couple of posters speak of this company - if they have cold called you, I'd avoid them. How do they know your details?

Could you possibly try a remortage so you can avoid an IVA?

You will not have to attend - your creditors won't

No - you do not have attend.

You do need to provide info about your provider and you should be able to deduct payments you are making in the meantime. It is normal for a variation meeting to be held - nothing to worry about.

Whilst in an IVA you are not going to be able to get a mortgage.

Fingers crossed it gets sorted now.

Good news!!!

Personally, I would never put my details online - only ever did paper stuff.

Sorry, unless you are a forum expert you cannot advertise or add email addresses.

Brilliant news - well done!

Keep pestering until you get that letter - remember you will be on the Insolvency Register for up to 3 months after that date.