To be fair, I'm a little confused too. I thought the fees would be absorbed into my 60 monthly contributions. After phoning them to ask when my last contribution should be, I was told that I had overpaid by 7 months and that this extra 7 months money would be returned to me minus any fees. Then, on ...

it seems, looking at the breakdown of their fees that has been sent to me, that the 7 contributions were made before the creditors meeting in order to cover these fees. Problem is, with my IVA starting with Capital, then Synergi taking over Capital, then Synergi going into admin, info is all over th...

Hi everyone, thanks for all your advice. I ended up applying for a savings account with Santander and was accepted straight away. And, what's more, I received my certificate of completion yesterday morning! Which brings me to my next question - does anyone know what addresses to send copies of the c...

I'm going through the completion process of my IVA with Capital/Synergi/ClearDebt and I now want to open a savings account in which to put aside some of the £800 per month I will now have that I was contributing to my IVA, as well as a lump sum that I should be getting from my IVA people as they hav...