You'd think they would take a day off wouldnt you

Broken_hearted

Feeling left out as no-one rings us anymore, funily enough I don't think they like dealing with me.

philnicandamy

I wonder why?













...only kiddin BH

wherediditallgo

philnicandamy wrote: »

I wonder why?

...only kiddin BH

Glorious. The words "lamb" & "slaughter" spring to mind.

Broken_hearted

Yes but admit it deep down you'd love to see me giving them a taste of their own medicine.

wherediditallgo

Broken_hearted wrote: »

Yes but admit it deep down you'd love to see me giving them a taste of their own medicine.

Yes, there are only so many pints of bitter a man can drink. :cool:

empty_wallet_2

wherediditallgo wrote: »

If no considerable sums of money have been handed over yet, I think I'd switch to someone else. One of the companies in my signature should be able to help you with companies who are more organised, & at least the ones in my signature won't be charging you for the privilege. If this is the way they are at the start, what will they be like when you're handing over large amounts of money each month?

Luckily its a no payment upfront company, thats why i reckon they are not too hot on doing stuff, as they wont get a penny should the creditors not accept the proposal, we will see if OH accepts the proposal this week as one member of staff said minimum £200 a month payment, another said £280 yet the maximium surplus OH has with bare minimum alowances for expenditure is £240 and that gives her zero personal money and really isn't viable in my eyes.

wherediditallgo

empty_wallet wrote: »

Luckily its a no payment upfront company, thats why i reckon they are not too hot on doing stuff, as they wont get a penny should the creditors not accept the proposal, we will see if OH accepts the proposal this week as one member of staff said minimum £200 a month payment, another said £280 yet the maximium surplus OH has with bare minimum alowances for expenditure is £240 and that gives her zero personal money and really isn't viable in my eyes.

I would check other companies anyway. There are others that don't charge upfront fees, eg Payplan, & I can't see how you'd be any worse off going to a company that's more nationally known & may well be more experienced at setting IVAs up.

tigerfeet2006

wherediditallgo wrote: »

I would check other companies anyway. Some don't charge any fees at all, in which case you'll be better off anyway as all your money will be going towards your debts rather than just a proportion of it.

WDIAG I thought all companies charged for IVA's due to the cost of setting them up and running them

wherediditallgo

tigerfeet2006 wrote: »

WDIAG I thought all companies charged for IVA's due to the cost of setting them up and running them

Tiger, you're right. I was thinking one thing & typing another. I'll edit my post.

rog2

tigerfeet2006 wrote: »

WDIAG I thought all companies charged for IVA's due to the cost of setting them up and running them

That's true, tf, but the 'fees' are usually hidden in the monthly payment, so that it looks as if the creditors are, in fact, paying. What actually happens, with some of the less reputable 'IVA factories' is that fees are taken before any money is paid over to creditors - that way, if the IVA 'fails' after, say, two years, the 'IVA' Company has already 'collected' their money.
This is one of the reasons that we always reccomend that anyone who is considering an IVA speaks, first, to one of the Debt Counselling Charities, who will put them in touch with a reputable Insolvency Practitioner.
Hope that makes sense.