Nationwide came out of IVA took me to court

[kallis3]

Orla, if you are not in an IVA but are doing Debt Management, I would seriously think about changing your company. There are a few good firms out there, Melanie Giles is one who posts on here, and although I don't use her (had already sorted mine before I found this site), I have heard nothing but good about her, so you could do worse.

[size5]

After picking up the pieces after the mess made by this type of firm many times previously, I would bet that you made 3 very hefty upfront payments to cover their fees after which your monthly payment was vastly reduced from the 1st 3 payments. Am I right?

I am also concerned that it sounds like you were blatantly fobbed off and misled when you rang to query re the Nationwide debt.

On a practical note, what is the situation you face now?

Regards.

[drowning-mummy]

When I was at my lowest and didnt know where to turn, my friend confessed that she was in an IVA and that maybe we should look at that too. I found this site almost immediately and have done nothing but read ever since. In fact I have read so much, that I began to doubt that my friend was in an IVA. A quick check of the insolvency register and many phone calls later, it transprires that she is in a DMP. She had no idea. Well you wouldnt would you? unless you came to a site like this and researched IVAs. The result now means that she can start to save and buy a home. Luckily for her, her creditors have been fab and she has managed to come to two F&F's with them. But ludicrous that she was misinformed. She is with Debt Fee Me.

[drowning-mummy]

Sorry, meant to say Debt Free me. genuine mistake I swear!

[MelanieGiles]

You can check whether you are in an IVA by searching on the Insolvency Register which is available on-line on the Insolvency Service's website. If you are not in an IVA, it might be worth looking into one with a reputable firm.