The loan should simply continue as before with your wife making monthly payments, there should be no question of "setting up a repayment plan". The shocker is HSBC refunding the latest payment putting her into default. Hopefully someone will be along soon to help, in meantime her credit file will be affected by financial association with you.

Nothing, that's the problem. Meanwhile the money is just sitting in the supervisors account going nowhere.

We are in total stalemate now, any ideas?

Nope, if any payment missed claimant could lift stay and enter judgment for £18,000 less payments received.

Yes, however the original "debt" (being a claim under a personal guarantee) was disputed. The parties eventually agreed on £18,000, hence the Tomlin Order. NatWest are now (taking advantage of the IVA) going back to their original claim - which was messy and incorrect, numerous payments went “missing”.

Thanks Andy, that's what I think too but NatWest are having none of it. It's put the IVA into a stalemate position, my Friend won't agree, NatWest won't budge and supervisor can't do anything.

Friend is in an IVA which should lead to 100% payout with a bit left over. His home has now been sold and the proceeds are with his supervisor ready to distribute to his creditors. However one creditor has suddenly upped their claim wiping out the potential surplus. Prior to entering the IVA NatWest obtained a Tomlin Order for £18,000 against which £3,000 was paid. This arose from Personal Guarantees given for 2 companies. NatWest are now claiming the IVA makes the Tomlin Order void and are trying to claim a significantly higher amount (£28,000) in the IVA. His supervisor hasn’t got a clue and he is so broke he can’t afford to get any legal advice. Any suggestions on how to tackle Nat West?

In 2014 my 16 yo son wanted a new iPhone 6 with 10 GB of data. He could afford it from work but naturally the 24 mth contract had to be on my account. We ended up with 20GB (capped) to share with his sisters. Vodafone, despite clear instructions, set up the contract on his little sister's number allocating only 2GB of data to his number. Whilst we fixed it then another round of upgrades last week has left him with unlimited data and vodafone claim they can not put the 10GB cap back on his phone. It’s either 4GB or unlimited. The little b has blown 18GB within a matter of days. I was told to download the vodafone app on sister's phone and would be able to allocate the data share however we wanted to . Days later I discover this is not possible because the Vodafone app does not work on a business account. Why is life so difficult? A simple need, and easy ask but Vodafone just say it can’t be done and refused to escalate my complaint. Neither the shop nor customer services can help and the app don’t work . There is no where on my online account that I can see let alone change the data usage and share. Suggestions?