Thanks again iM turning in Nyt Nyt

Yes i would absolutely but I just dnt trust this firm. Learnt a big big lesson from all this. Anyways thankyou MEL

Oh Bless ya, If Im honest Its not to bad. I love my Job. Im very lucky in that respect. All that debt was worthet dare I say it. Thanks

KAYKAY i work long hrs seven days a week . Its difficult to articulate when Im so tired. Grateful for your patience. Thanks so much for letting me get these questions off my chest.

Im not sure if im allowed to mention names here. Check out who the FSA are investigating at the Mo in Anglia region and you will see.

KAYKAY. Thats just it. They havnt done the leg work . plus Im happy to pay everything I owe. Apart from my main creditor who I will make a PP1 claim against. As have thousands of other people. Oh and they are in court at the moment under investigation by the FSA. Iv been into there Norfolk Branch an...

They say they are investigating. Its been two months . Im not sure what to do apart from wait.

Kazzafunk Im sorry about the caps really. Im being a lazy typer sorry,
Yes , One landlord found me and gave me some old mail. This sparked my curiosity.

Im not expecting them to write off the debt. I knew that from the start. I changed address several times over a period of four yrs and found it difficult to collect mail ,hence thats why I wasnt sure of balances. And thats what I thought MY IP WOULD REFINE. oH AND i did put that in writing and still...

one of the reasons I went ahead with the IVA WAS SO THAT i DIDNT HAVE THE STRESS OF communicating with the debtors. I trusted them and specificaly asked to check each one since i wasnt sure how much was owed exactly

I accept that tix represent both HSBC AND natwest however MEL I dnt owe natwest any money. Not sure why they ate in the proposal.

I admit that was down to me being disorganised and also concentrating on my final yr exams. They reassured me that they would contact all my creditors and get an accurate sum of all creditors.

Hi MEL. Im not sure why but I wasnt informed by my IP that I owe 4K less than I thought. Each creditor was contacted prior to the creditors meeting. I thought I owed over 15K . after asking loads of questions Im told i owe 11K.

I mean If they told me I owe 11k and not 15K I would have negotiated myself and im confident I could pay back much less, Especially now that my main creditor is going bust due to PPI CLAIMS.
The fact is MY IP went ahead without informing me that I owe 4K less.

Hi KAYKAY THANKS. So doesnt that go against the whole idea of going into an IVA WITH THE biggest company in the sector. HOW ARE THEY HELPING ME?