i have a fully settled full & final IVA and a termination certifiacte dated March09. I am being hounded by Abbey who keep writing me to chase for an alleged debt of £6k. My IP sates this is the remaining amount after (amount of debt less dividend amount)= remaining debt. I understand that I do not n...

4 months after completing my Full & Final IVA I am being hounded by Abbey for a credit card debt. My F&F IVA was entered into 31.7.08 and Termination Certificate issued by my IP during feb09. What's strange is that between July08 and Feb09 I heard nothing from Abbey (I did from others) and now all o...

not sure if this has been covered before but I've recebtly lost 1stone and 1pound by calorie counting only - look up www.weightlossresources.co.uk. There is a samll montly charge but it's worth it because it works and I've tried all sorts of different diets! all the best

thank you all for your valued opinions - greatfully received!

I have been having a great deal of difficulty with Barclays concerning persistent correspondence & telephone chasers to settle my debt with them. My IVA was approved 31 July 2008 on a full & final basis and as of last wek there is 1 cheque left to clear and then the IP can issue my Certificate of Te...

Thought I would add an update. Spoken to a more senior person in the business banking section today and following a discussion during which I had to say why I had gone into an IVA, the banker said that he would reinstate my online banking access if I presented him with current company management acc...

Ok, thanks, I will ask for his help. The account is approx £1450 o/d (within an agreed £10k limit) but waiting for a £16k credit (but of course the bank don't know that at the moment - but there again they never asked!). No personal guarantees have been given and this was discussed when we were prop...

Elizabeth - wishing you & your hubby all the best.

Thanks Viki.W - interesting. I would not need a c/card machine. I'll check this out!

I also have a Tuxedo card and it seems to be ok so far (even used abroad). I once had a muissing deposit query and their customer services was helpful & e-mailed me the following message: "...please mention your 9 digits reference number on the reference field whilst transferring funds to ensure you...

I am currently in a maximum 12 month F&F IVA - should expire latest July '09. I had a current account with Barclays (one of my creditors)and a business account with Barclays (nothing to do with the IVA). This morning, I have been locked out of online banking without any communications at all from th...

Barclaycard are also continuing to call me despite the fact I have told them that I am trying to get an IVA going - another creditor's meeting on 29th. I have had letters from Max recovery/Eversheds who are participating in voting in the IVA so I am confused why B/Card continue to harrass for the de...

Don't get a credit card! Too risky to fall into more debt! if you need a card for travel/expenses, etc get a pre-paid c/card. You do not need to undergo a credit check for a pre-paid card. I have a Tuxedo & it works ok. Avoid further debt temptation at all cost!

Thanks Melanie - I have a further creditors meeting on Tuesday (adjourned from 1st one) - can I as debtor propose a modification that current tax year is omitted from the agreement? after all, the other creditors would accept as they then get their money quicker and HMRC are only 7.6% of overall deb...

Melanie - thought I would give an update following your brilliant suggestion above for this tax year to be excluded from the IVA. Persuaded IP to call them with the idea (ie HMRC agree to exclude 08-09 tax year from IVA, thereby they get 100% debt repaid and F&F IVA gets completed early). The IP has...