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delta1956

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delta1956 last won the day on August 1 2013

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About delta1956

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  1. Hello I have Iva. I offered full and final payment have beenpaying for 3.5years. Been declined. As have equity in property and they want and additional years payment even though when I took out Iva I was told would be for th five years. I feel something is not fair here.
  2. Hello Silverfox I was advised by the debt management company this was what we needed. IVA.i haven't heard of DMP OR DRO..I am aware if my earning change to notify them. I am on a private pension and disability allowance. But every month we have to use a credit card to tie us over. If I can return to work earnings will not be a huge amount.I Have been in I a sixteen months..another three and half years to go..
  3. Hello I have an IVA jointly with my partner. Due health reasons I got into financial problems. I was medically retired from my job. The only option seemed to get an IVA.. THE AMOUNT £330 a month and finding hard been twenty months. . I have now been discharged from hospital and want to start working again. My question is does effect my IVA. IF I GET EMPLOYMENT any advice would be greatly appreciated.
  4. IVA planned and now apparently creditors have reviewed the offer payment and want to increase it as they think budget was understated. Is this normal ,if I decline increase will the IVA fail to go ahead.need a quick reply if possible thank you
  5. Hello had years of debt following me and now thinking of an iva. i do have a house and wondering how I stand if I start an IVA what if i need to sell my property and move for health reasons....
  6. Firstly apologies to Dougal it's been so long to get back in touch. Some how this thread never got to.me..
  7. Check everything and then check again with E&L they seem to change the goal posts as and when they like.please speak with insurance ombudsman,they are are brilliant and very supportive and also aware of E&L practices. Good luck at least your dogs recovered or recovering well.
  8. ....yes this is clause they keep in the small print.they are the pits..I am sorry to hear of plight..check with your vet.maybe he gave your dog a health check prior to operation? I wouldn't recommend E&L to my worst enemy. Speak to the insurance ombudsman as well this always helps
  9. Hello Leggy thank you I will definitely do that as they are just the most dispicable and obnoxious company.Sad the only reason I renewed the policy as the said they would cover my dogs other leg other wise I would never have renewed it with them. Kind regards Delta1956
  10. Hello I too am having a nightmare with this comapnay they really need to be scrutinised with a fine tooth comb as there tactics and customer care/support is diabolicle. FSA is going to hear from on monday.
  11. Hello,I know this thread is is a few years old but I am am having a real battle with E&L. Last year my dog damaged her left knee .I only hand bronze cover so I was out of pocket big time as they only covered her £500.00p per injury. I had to get her last three years medical report ..It took them 3months to pay this amount minus£150.admin.I had to stay with them when the renewal came up as no other pet insurances wouldnt cover her right back leg.So I upgraded to Gold cover and was told on the phone her right leg would be insured. Now her right knee on her back leg has now got cruciate problem. E&L are now weasling out as they say they sent a letter of exclusion out in november 2011. I never received it but have received many other letters etc and if I had I would not have continued with E&L as they are the worst pet insurer's I have ever come across and I have had dogs for fourty years. My dog need's the treatment and its totally disgusting that I have to have this additional stress of trying to get surgery for her and fight them to pay for it.If any one can help how to get this dispicable company to acknowlede what was agreed on the phone also on the policy I received does not refer or mention any exclusion to her knee ®. Please please
  12. Hello Brig Your right no CCA supplied. I will Now send this letter in dispute. Thanks again Delta xx
  13. Hi Brig I checked the wording on in the dispute letter. First paragraph is relating to me asking them for a cca. Should I delete this part as I didnt request this info. Only I said I did not acknowledge this debt. Kind regards Delta
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