www.iva.co.uk

Hi Mel

I haven't posted on here for a while, been busy with Christmas and stuff - by the way Happy New Year!

Claire Jackson at your office is my caseworker for our IVA Application - we have been waiting on information from my husband's company accountant, and hopefully should have it tomorrow at last.

I received a letter today from one of my creditors, saying that unless I contacted them our debt would be written off and passed to a debt recovery agency for CCJ/bailiff action, etc. I called them and explained what we are doing, but the lady explained that unless I make a token payment by 29 January, they will be unable to "hold" our account while we prepare our proposal, and if our IVA is rejected, we would then not be dealing with them but a debt recovery agency. Is this just a ploy to get us to make a payment, or is she correct? I'm really quite worried now - thanks x

I'll just answer briefly here - and would ask you to e-mail me directly for more specific instructions. We all have direct e-mail addresses, and you can find mine on my profile page. Better for us to discuss specific matters relating to your case off the forum.

I am sure that letters like this are designed to frighten you into paying payments to creditors, which may be unaffordable and also may prejudice the rights of your other creditors. Bullies in my opinion eventually get nowhere, but you should send us a copy of the letter so that we can deal with it for you.

Thanks Mel - I did tell her I wasn't in a position to make a payment, as this would be unfair to our other creditors. I'll e-mail you directly.