Peoples hopes are built up as they see somebody get a payout so wouldnt you be disappointed to be turned down > ? Also when you are told that its 5 years 60 payments and then its changed to a further plus 6 months I think that also counts as hopes being dashed YOU agree to pay the 60 months and that...

@ Melanie Yes thats a fair point for the interest earned I also think that as when you complete the IVA all the money you send in and is not paid on the date you complete who gets that interest>?? If an IVA company holds the money for months and months as happens now then its earning money for someb...

PPI I have had 3 emails saying 3 different things 1 I can have the money after I get the certificate as a private case 2 Now I cant do that 3 Its up to the IVA company Awhile ago I asked how things were going and told we will send you another questionairre I have already sent that when I set out to ...

Jumping in here but here goes SPlasshhhhhhhhh !!!!! When you complete your IVA and you apply for a Phone or some other credit situation eg overdraft upgrade Does the fact that you have completed your IVA help as in if they do a check it will say Mr Smith IVA start date March 2007 Finished March 2012...

Hi Give it a try they can only say no at the end of the day its commission for a sale and if you go in and chat with them Some internet applications are more likely to go through to again buck up sales maybe try at the end of the month >?? Or go in and sweet talk them Personally stick to PAYG as you...

Hi
Best is to just phone < your IVA company and see what they say first so then you can sort out the best option People say T Mobile are an easy option to try I would go payg and cut your calls donw if you can
I managed ok

If you have a read what situations are arising from the PPI you can see its not just 1 issue or 2 Its mis sold on different levels examples are you should be told its interest based or the better example you can go across the road and get the same PPI for £20 less a month they spiel you with their i...

Hi Even if you did not take out PPI they may have put it through under another name referred a charge somewhere etc My friend did not take out PPI he got £1000 back and still being looked at his was car finance so let them have a look it may work in your favour Or just write to them saying you are n...

Hi Basically send the forms off with a covering letter saying you dont think you were sold PPI however feel free to look into it That way you are being pro active PPI is mis sold at many levels even if you said yes its mis sold as from what I have read its not going to pay out and also you are suppo...

You are right Beadley I finished mine and waiting for my certificate could be months away I think you sign up to pay a set amount and thats fair to everybody and is agreed legally what I dont think is fair regardless of windfalls etc is that you get the PPI being paid out or not and then you are han...

Hi @Above I found the first year a total relief and also the second a huge weight lifted from me and it was just a lower payout per month The last few have been the worst I just wanted it finished and off my mind and the last year was the worst and even though you know its ending you are reminded of...

Hi I finished my IVA recently and have done what I was supposed to do and now waiting for a certificate and the PPI I asked for them to investigate to see what they could come up with I asked about getting the PPI just as the PPI issue was starting 2 or 3 years ago I contacted a firm they said the w...

Hi Well done on the first stage I am done with mine and looks like another 6 months of waiting for the completion certificate The first year should go smoothly and will pass Try not to get into the Oh poor old me stuck with this for 5 years thing Best way is to be positive and break the years into s...