Hi Melanie,

I think I've got Angela's direct number - is it best to speak to her? Apologies if i should have phoned you first, just was completely unsure and worried about what to do!

Fortunately I live in a second floor flat with a telephone entry system, so have no garden and I can't imagine them scaling the building to get in! I phoned the bailiff (the guy works for Phoenix something or other) this morning to try to come to some arrangement, but he just said unless he got some...

No, they haven't been in the house at all yet. From what i gather, once they do (sounds like the old "may i step inside to discuss this" trick), they seem to have a hell of a lot of power. I've read somewhere that if they can't collect the debt, they usually pass it back to the council who may need ...

I'm not entirely sure what that is! Is that something I would have signed?

I'm reading over and over again elsewhere (specifically regarding council tax) that they can only make peaceful entry. I may be completely wrong, which is more worrying.....

I'm not sure if you're agreeing with me or not......

Regarding forced entry and what they can/cannot do, I read this, which is specifically about bailiffs and Council Tax: http://www.nationaldebtline.co.uk/england_wales/ factsheet.php?page=02_bailiffs_and_council_tax "If the bailiffs have not been into your home before to collect this debt, they have ...

Good morning all, I've been a lurker on this site for some time now. I'm currently in the process of setting up an IVA (fingers crossed) with Melanie and her team. Before I had decided to progress with an IVA and I was a complete financial mess, I missed some Council Tax payments last year. Without ...

Hi

Can anyone tell me if student loans are counted in the calculations for IVAs or are they treated differently as they are taken directly from wages?

Thanks

Hello all, New to the site but have read through and looked at plenty of it over the last week or so. I just want to know how much leeway people have had with IVAs regarding what I'd call "pocket-money", i.e. living expenses that may not be defined as 'essential' - money to go out once every now and...