Please please help we're scared to stop paying

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worried mum

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Post by worried mum » Tue May 17, 2011 4:06 pm
I can`t post on his profile & i`ve put his name & firm in the link you gave me & no results are found..i saw on his profile that someone else has had a similar experience with them...if anyone knows any other way I can get him on here i would be grateful...TY
 
 

MrsKnight

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Post by MrsKnight » Tue May 17, 2011 4:24 pm
Hi - you wont be able to contact him through his profile but I have found his full details on this link:

Sorry!!! Hang on Im going to go find it again x
Last edited by MrsKnight on Tue May 17, 2011 4:26 pm, edited 1 time in total.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X



An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt

Lyns x
 
 

MrsKnight

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Post by MrsKnight » Tue May 17, 2011 4:31 pm
Right Worried Mum sorry! Go to this link:

http://bl.insolvency.gov.uk/fip/

Type in David in the forename section then rankin in the surname section & press search his full contact details/direct email do come up.
When Ive typed in his name in just one section nothing comes up, hence why I have explained it, hope thats ok.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X



An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt

Lyns x
 
 

worried mum

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Post by worried mum » Tue May 17, 2011 5:10 pm
got it ty..think it was because i didn`t use caps...here goes,fingers crossed.
 
 

kazzafunk

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Post by kazzafunk » Tue May 17, 2011 5:21 pm
Hi worried mum - I am so worried about your problems. It looks to me like they stretched you way too far in the beginning to make the IVA viable and maybe a DMP or bankruptcy should have been the option. If you don't get the answer you are looking for I would take all the paperwork to the CAB for them to try to fathom it all out. Hope you get a reply from your IP soon.
Kazza

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http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

MrsKnight

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Post by MrsKnight » Tue May 17, 2011 7:17 pm
Hi Worried Mum, glad you managed to get the information, I had to try at least 4 times! hence why I explained it.

I hope you are successful in your email to your IP and please do let us know of the outcome. Lots of luck, thinking of you x
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X



An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt

Lyns x
 
 

worriedchick

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Post by worriedchick » Tue May 17, 2011 9:21 pm
I spoke to Tina from Melanie Giles and she has advised me of all the allowances we can claim for, I just hope the IP agrees
 
 

kazzafunk

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Post by kazzafunk » Tue May 17, 2011 9:23 pm
Good news worriedchick - I will keep everything crossed for you. Let us know how things go
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

Broke of London

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Post by Broke of London » Wed May 18, 2011 12:02 am
I hope this can be sorted with David Rankin!! You can fail the iva at any time by missing three payments and then you can choose BR or a DMP...BR isn't automatic so don't let that scare you from pushing for what you need. The most important thing is that your family is comfortable and you are in control xx
 
 

kallis3

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Post by kallis3 » Wed May 18, 2011 6:34 am
Hope you manage to get it sorted worriedchick.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Shining

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Post by Shining » Wed May 18, 2011 7:13 am
Hope you get a positive reply and it can all be sorted for you to move forward. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

worried mum

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Post by worried mum » Wed May 18, 2011 5:30 pm
Just to let you all know that Dave Rankin got back to me & I`ve spoken to 1 of his team today.He agrees that an IVA isn`t right for us & recommends a BR as he said we could be paying forever & a day with a DMP. If we weren`t at risk of losing our home, I think I could live with the stigma of being a BR if it meant my daughter got to go to Grammar School after all, but I don`t know if my Hubby will see it the same way or not...I feel like a huge weight has been lifted just knowing that we have options left to us...Thank-You all so much for all your help & advice...You`re Stars!!
 
 

Shining

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Post by Shining » Wed May 18, 2011 5:35 pm
worried mum, so glad someone got back to you and after a chat with your hubby, things may look clearer I totally understand about your daughter. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Wed May 18, 2011 5:52 pm
I'm glad David got back to you and you have managed to sort out what is probably right for you.

There is always a possibilty that you won't lose your house - speak to your hubby and then speak to an expert about bankruptcy and they will help you.

You can post on the sister site:

http://www.bankruptcyhelp.org.uk/bankru ... topics.asp
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

worried mum

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Post by worried mum » Sat May 21, 2011 12:16 pm
Hi again forum friends,
my husband & i have discussed the pro`s & cons of taking a BR & we both agree that even though it has appeal as a "quick fix" neither of us would feel happy about it. HB said there would be no problem going on a DMP but that we would be paying for evermore as out of the £80 we`d probably pay, £45 would go to admin fees :-( that seems an awful lot of money going to waste, would we be better discharging HB & trying to make arrangements with the creditors ourselves or is it too late for that?? Thanks in advance for any advice :-)
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