Thanks Vicki, just in a rut at the moment! Looks like black horse are not having anything and are cutting off their nose to spite their face. Their money is excluded from the IVA, and I blew my top when IP told me they are being awkward because they advised that it was down to the managements descretion, i feel they have adopted a bit of a "bully boy" approach. I had not had the IVA agreed when my husband took out the hp, which we clearly can afford, and would rather keep the car we already have, than look for another deal, even asked if my brother could be guarantor or take over finance, but they just dont want to know and have spoken to me like i am a piece of dirt. I am a mother of 4, work full time, and am a decent person, who can afford the HP taken out. Management descretion, means that they can make exceptions, unfortunately they don't want to make an exception for a decent person that can clearly afford the monthly repayment. The management descretion call was recorded and I have requested a copy, as I will then speak to a member of my family, who works in legal matters for advice.
OOhhh I am so angry. But thanks for your help Vicki.
14 down 46 to go!
