Hi all, sorry I should have explained, Yes the savings is taken from my wages and shows on my monthly pay slip, I can save from my allowances if I wish to and keep all the savings, but my IP would keep it all if it came from my salary, he also said as my income will increase by £50 per month from ja...

Thanks for the reply Michael, Spoke to my IP and he said it wasn't included in my proposal but as my IVA only started in Sept this year I could keep all of it, However I cant rejoin the savings club as he will take all of it next time and we will have to review my I&E in Jan as he cant let me keep a...

Just a quick question about a xmas saving club I pay into.
Would my IP expect 50% of the ammount I get back to be payed into my IVA.?

Global Vantage are a debt collection agent usually appointed by MBNA and operate out of Dehli in India, be very careful with them, I had my IVA approved in Sept and Global Vantage have all the info on their system but this month they phoned and offered me an unsecured loan to clear all my creditors,...

just started my IVA with DFD and mine is a straight 50/50 split with everything over our normal take home pay.
not complaining as they said the more they get the sooner the iva finishes.
is this correct?
I thought it would be for the full 60 months and I would pay back nearer the full ammount I owe.

MBNA also use a collection agent called Global Vantedge, They called me this week and said I owed them over £400. According to their records when I started my IVA process in July I submitted token payments for 3 months until my IVA was accepted and the new debt was for the ammounts that had accumula...

Hi minime. youv'e taken one huge step in picking up the phone and contacting someone about your situation, it was the same for me in july this year, I didn't know my wife had been borrowing heaverly to hid one dept from another and we were going further and further in the red each month until the po...

many thanks to you all for your good wishes and words of support, it's not going to be an easy road over the next 5 years. but the light is ON at the end of the tunnel. Declan. you have a great team of people working at DFD and my only regret is not having the trust and faith in believing they could...

my third creditors meeting was yesterday and my iva proposal has been accepted, ( with some small modifications ) I owe a huge dept of gratitude to DFD for their continued work on my behalf, some of you may know a few weeks ago I posted on this site how I was looseing faith in DFD and how I was star...

Declan, I emailed you on 28/8 and as yet no reply, also emailed my IP on the 22/8 but he just refers me to the "Meetings Team" Sounds like he cant answer anything himself as he hasn't got any idea what's going on, Fully understand he could have a huge client base but direct questions to your IP in m...

lesley- now there's a good omen.

Skippy13- Thank You, fingers crossed.

Melanie- Not a single thing has been changed.

lollyollie- Appologies for hijacking your thread.

What is happening regarding your own case, mfne? Good Morning, Melanie, Thank You for asking, My proposal has been recirculated and a new meeting has been arranged for Sept 22nd, my team are confident of a reversal in fortune this time, however I'm a little sceptical. Will run with this until then ...

hi lollyollie. it's good we all take the plunge and face up to our dept problems, I did the same in july this year, sorry if I sound like a damp squid but it's not a case of when your IVA is accepted, more of IF, not everyone is lucky enough if one of your creditors wants back every single penny you...

Hi Mel, will have to phone one of the meeting team on tues to find out why, got a letter from DFD this morning telling me my IVA has been rejected,

PS marky b. sorry for hijacking your post.

my proposal for IVA has been rejected and MBNA are the only ones who have refused, DFD say they will recirculate the proposal so keeping my fingers crossed. dont know what to do next.