Sorry, seem to have caused a bit of a argument here, I have no real problem with there being such a thing as an insolvency register (even though there are other means for companies to search a persons solvency), what I object to is someone next door to me or a workmate potentially being able to look...

I hope that your client does not have any more trouble from so called financial experts Mel. As for the Insolvency register, why does there need to be one anyway? All financial institutions and companies have their own way of checking on someones financial status through the credit referencing agenc...

Thank you all who have responded, I honestly think that something really needs to be done to protect those in an IVA from this kind of harassment, and that is all it is really, harassment. The recent debates about giving those in prison the vote and other offenders having the right to remove themsel...

Thanks Lesley / Lisa, I did think it was some scam or other but you can get a bit paranoid about things at times I guess : ) No problem with the IVA, learning to live within means and feeling much better for it to boot. Do not know why your details should be public knowledge if you are in an IVA tho...

Just a quick question really, have had 2 days in a row letters from Jefferson Hobbs. Very vague details are given, i.e. Please phone us on this freephone number as we have something important to discuss with you. Never heard of them but have decided to tear them up and throw away, am assuming that t...

Unison must be universally useless then, GMB not much better (they tend to have Unison at our place for the more "educated" and GMB for the people who actually physically work) Nepensioner, I have done the same thing by crossing picket lines, its not nice but in times of difficulty the last thing yo...

Thanks Kallis, being its the 1st review was not sure of how things worked. Have been honest and a bit conservative with things as well as for expenditure but will manage regardless. As for unions, I know they are useless, resigned from mine 3 years ago when they called a 3 day strike (could not mana...

Just received my 1st review papers, IVA accepted on the 13th April 2010 so earlier than I expected but glad I have got them to be honest. When totally up everything though I am £3.50 down on income and expenditure as to what I am currently paying in, will this be a problem? As for pensions, my emplo...

I am sure you have nothing to worry about. I am with MCD (nearly due for 1st annual review, eeks!) and although the whole procedure is nerve wracking they are there to help you and would not put something forward that they think would not be accepted. Get a good nights sleep and don't worry, all wil...

Have to agree with everyone else on this one, MBNA were a pain to deal with, I did not use the card (which was originally Abbey way back when) for at least 2 years but the balance was going up rather than down and this was paying £300 + per month and they increased APR (even though I never missed a ...

Although Happy Buddah has mentioned O2, I would be wary as having been with them on contract for many years before the IVA I tried getting the broadband and was credit checked so no broadband even though have never missed a payment with the contract phone. You could try online, maybe a different pro...

Many thanks and may just do that, will just say no thanks if someone mentions "do you mind if we run a credit check now" (meaning we are going to run one anyway and if you refuse we know what the outcome will be)

Was surprised myself Kallis, as said been with them on contract mobile for at least 5 years or so without any missed payments, do not know what to do for the best to be honest, my broadband and phone normally comes in at 20 + per month, this month it is nearly £40 (strangely they have not sent a bil...

Just a general query really, have been thinking for a while from moving my broadband and landline from current provider (as they are pants and have put the monthly charge up a lot), am with O2 on monthly contract phone, have been with them for around 5 years, never missed a payment, decided to bite ...

Hi Rosalyn, I opened a new account with the COOP before entering my IVA and was give a "normal" bank account and a £200 overdraft (which was scarily upped to 500 the next month then went back down to 200), never asked for the OD or expected one and would certainly not touch it with a barge pole if a...