Sorry to butt in. I am at the end of my journey (Hopefully) and just come back to the forum. It is so important your choice IP is right. I made that wrong choice. Melanie Giles along with Andy Davie gave some good advice nearly 6 years ago, after my nightmare. Their experience is unattainable. Going...

Thanks I am just so annoyed with the overall situation. Its like others and has been so tough. Not only this its the next two maybe three years before I get cleared completely. Registry, credit rating etc. Want a life back and go on holiday, change a car that is about to die on me. Had this all plan...

Thanks BoL I could have potential sold my property offered at least maybe a final settlement, rented something cheaper and more manageable instead of paying a higher interest only mortgage. I,m afraid I wasn't then and still not in a position to offer the lump sum unless I sell. We know what it,s li...

Hi All Amazing responses thanks. To answer some of them perhaps a read by all of my first intro on 23rd Aug 2007. called "unless I agree these mods" This will give the back ground. The problem to a lot of this was the mods never got to me as they ended up in a file (As I found out) with the previous...

Thanks Both I am in the process of fine tooth combing. Have the proposal and the letters and file so big it is in two of them. Speaking to my IP too. Bearing in mind my mods hit me some 7 months after the first approved meeting as my files show, and then to find out I wasn't even registered and them...

Hi Both Thanks for the responses. Not wishing to belittle my previous IP.The original supervisor got struck off in the high court. No names mentioned but will explore it if I don,t get a fair deal, after all I have done my best to deliver what I was committed too. To be fair my new IP have been help...

Hi Gutted. My last payment was due Dec. I paid it early this month thanks to my girlfriends help. Spoke to my IP in Sept to look at options who said this would then lead to closure. I Received an email stating it was now being passed to the closure team having provided my latest mortgage update. Ban...

Hi I am about to finish after 5 years of hard labour,excuse the pun. My IP was terrible and messed it up by not registering me, besides other incompetancies. Mel and Andy pushed me in the right direction at the time having found the forum by chance. CStart as I remember them collapsed and I ended up...

Thanks your a star. Another one to track.

Time will tell

Great stuff thank you. Next will be to clear the final payment in Nov, saved for it with the IP agreeing to pay it early. Will this speed things up. Need to look at the RG document preventing sale of my house, forget what number it is. Do they send a document to me. Cant wait to press the button and...

Hi. About to complete in Dec. What happens once I complete the final payment please.

Hi All Finally received the information. I had to sign the mods and the RX1 form, none of which I recieved at any stage before now of course. I did get the chairmans report and it was the same as what I received back in Sept last year, My issue is that I never knew about these mods when they agreed ...

Melanie. I have read all this again, will try to answer some of your Qs, this was the sequence of events. 1. Applied for IVA during Mar 06 2. Payed to IP / IVA from May 06 3. Various meetings with crediters / court until Sept 06 4. Recieved confimation, report of decision for 12th Sept. This stated ...

All Outstanding this has comforted me somewhat, only because it appears that the IVA can still be registered from the hearing date Sept 06.I didn't want to start all over again. Is there no way I can get out of signing these mods ?? I presume thay still stand even though the IP never cleared them wi...

Andy It doesn't I have checked. Can this still be backdated from the date it was agreed though ?? (Sept 06) If it can't, then I presume the only option I have is to go though it all again. What will I get out of making a complaint against my IP. Is it worthwhile or waste of time. They surely have a ...