Well everyone what im about to say seems to be a cruel twist of fate and all i can do right now is sit in disbelief and either cry or laugh . My case officer phoned today and said they have given me a 6 month break to pay the council back ( obviously still not saying whether it is because my IVA is ...

Hi All, My case officer just phoned, she was very pleasant etc, told me the battle ( i use that term as thats what it seems to be ) between payplan and the council rages on . She is speaking with the IP tomorrow concerning a payment break. To be honest regardless of what happens at least the payment...

Hi Skippy ,
I didnt know that so thank you - it may come in handy for a month etc, but i couldnt have the stress of creditors phoning, sending letters etc. because of my wifes health.

Hi,
I suppose it would actually, however im still not sure with the way things are whether i could save the £700 in 3 months , it would be taking a great risk, and if for some reason i hadnt got the bankruptcy money at the end of the 3 months i would be in even more trouble.

Hi Tina, Unfortunately without the 6 month break and possible the 3 months later to default i cannot possibly save enough money for bankruptcy and pay the council. So at the moment i can see this being my only option.I'm just hoping there is no reason a judge would refuse my bankruptcy being filed f...

Hi Foggy, its actually them who proposed a holiday after ensuring me previously that they were right and the council were wrong, then all of a sudden changed their tune. its only me going bankrupt my wife isnt included in any of this. I know it seems a little cheeky of me but its the only way i can ...

Hi, I would like some gentle advice please. I am at the stage now where after some very deep though i dont feel i can trust payplan again ( they seem a littel incompetent ) and am very worried seeing other reviewers problems / nightmares with payplan ( i know this can happen with other companies too...

Hi Foggy, Council property , and it wouldnt affect my employment at all. but i would still prefer they sort it out quickly and fairly to be honest. i just want the service i expect and was led to believe i would receive.if i am pushed to bankruptcy i will take no pleasure in it, as i really legitima...

Hi Foggy, Thank you for the thoughtful comments, it is basically to go bankrupt if they dont sort this out, im simply fed up of the stress etc. I would never simply stop paying without a back up plan, after all i did start all this in order to pay back as much debt as i could, but they need to sort ...

Hi again, i have requested to speak directly to my IP who was apparently out of the office yesterday, payplan are saying they will set up a meeting. Payplan have also said they are now looking at a payment holiday which will then extend the IVA by 6 months, sorry if i am wrong but that just doesnt s...

Ok so believe it or not everyone i am still in exactly the same boat after all this time, IE threatening letters /phone calls from the council who have been taking the overpayment from my rent and now i am in rent arrears, and little or no contact from payplan even though i racked up an extra £10 on...

Hi Tina, I wasn't aware i could have multiple holidays if necessary, if so then i will obviously take one. I do however remember them ( payplan ) mentioning i could only take one holiday. Please bear in mind i am only 7 months in to my iva and would hate to have a circumstance in the future where i ...

Hi Michael,
That would be very useful but i would hate to use my break time now and find i need it in the future ( bearing in mind none of this is my fault )unless payplan come to some kind of arrangement with me.

Regards

Hi,
Would any of you IVA experts be able to say what could happen from here ? As regards my IVA being incorrect etc , what options will be available to me as i would have to pay the council directly etc which will obviously put a strain on me financially .

regards

Hi everyone, Yet again today i have received a letter from Dudley council which states the following, "Dear Mr ######## I refer to your phone call to my office today regarding the recovery of your housing benefit overpayment. I have been asked if the recovery of this debt can be suspended until you ...