oh so we had black horse on phone today, giving us there u cant do iva we wont let you, you must arange a debt managmnet plan with us or we gona go to court to apply for certificate of earnings form, you cant do and iva as we wont freeze interst and you payments go up n up nnot down, we then asked as we been told to ask them to remove work contacts number of file she said no, basical they were saying that if we agree to there terms they contact all our creditors for free and get them to agree this. as if we were gona pay and IP we could pay them. so now im worried that they defo gona refsuse IVA and then if the thing come through b4 meeting we gona end up in court cause of it, Ip tried to reasure me that it take more than 2 week to get a court to approve them to get cert of earning credit meeting on 14th,but now im worried what if IVa fail casue we refused on there terms they gona take us to court aint they and then what are we going to do, arah im so worried again, DFD said that 95% pass, but i just think we be in the 5% that dont.
and im so scared as to what happens next, as the last thing we want is to go to court, or get our work places involved, god 2 weeks 2day to meeting n im a wreck she got to me so much today i nearly said oh go on then do it your way, which IP said is wat they wanted, same way they get payments from you. DFD said i could ask for work tel numbers to be removed seems as they causing probs for my husband atwork i mean if he gets sack no 1 gets paid, she sadi point blank NO i wont remove the numbers and im starting application for earning cert asap, i was so upset so i rang BH head office and gotthe number for complaints, they have now taken mine and husband swork numbers off as they have a home and mob number. i just hope thid dot make things worse,can they get worse, sorry to waffle lisaxx
