[quote] Originally posted by plasticdaft Do please get advice from one of the IP's recommened on here. You will regret it if you dont,believe me. [/quote thanks i have written to melanie giles will cancel courier tomorrow wish i had sought advice first as we defo wont have the funds for the admin fe...

I think they will probably take this money before they 'introduce' you to their sister firm. Give one of the professionals on here who post - Melanie Giles, David Mond, Michael Peoples, Size5 or Andy Davie. They all come recommened by posters on here. Click on the expert link on the left hand side ...

I agree Michael. The vast majority of companies who charge, do so on top of the IVA. It is a fee for 'introducing' them to an IP, something people are quite capable of doing themselves. im a bit worried now as they did ask for my bank details (my bank i dont have an overdraft with) i havent give th...

hi has anyone tried evolution banking when they closed their bank account down and overdraft

yes it was baines and ernest, got to get everything together over the weekend for courier pick up, bank statements, etc, my hubby's payslips which are not accurate has he has been on strike hope everything passes so lots of work, yes they said they charge first two payments up front as admin and the...

I am not sure about government guidelines as the guidelines are imposed by the banks. Just because someone says that your expenses do not tick a box or there is no box to tick does not mean that you do not qualify for an IVA. Definitely seek a different opinion and list all your expenses such as sc...

There are plenty of companies to try. Seek the opinion of a few IP's on here. All come recommended. It is essential you find one you like and trust. Only you can decide this. I am sure speaking to another IP will give you different ideas. I tried Payplan first of all, and they said no, i tried the ...

thanks for support i did speak to an iva adviser about a month ago and they said i had a case and could get my payments down to 250 with my outgoings obviously they would take a share as payment when i mentioned this to payplan they said their decision is on government guidelines but only took all m...

plasticdaft wrote:

Is there property with equity in it??

EQUITY 10000 WE HAVE LOSR 30000 WITH HOUSING MARKET PROBLEM

i didnt get that far our debts amounted to 750 per month in total and she said we had enough surplus to pay them, i explained my husbands wages can change from contract to contract she said that was government guidelines, our outgoings were about 3400 without leisure we dont smoke or drink, and our ...

we were going to offer 300 per month, as my middle child has just left school and needs supporting at college and my husband's wages are eventually going to be less

sorry should read 40000

hi have just been refused iva by payplan, have over 400000 in debts wanted to start again, they said we had enough money coming in to budget, but hubby been on strike throughout the year and we are quite broke now only just gone back to work, is there a limit of funds you have surplus before they ac...

what is the best solution when going into an iva with a bank overdraft we do not want to exceed and get charges but want to keep another bank account we have with no overdraft facility.