Hi debs another update, I got a letter asking for a payment from me to pay for the information requested by the bank. Obviously I was fuming as I knew I had attached payment to the letter by staple. I got through to several people, one said i had to send a cheque, when I got to the end of it the had payed the £10 into my account. The woman assured me it would be rectified and the correct department will get back to me.

Hi debs, well just an update, I have had a phone call from barclays, I was not at home so they left a message. I have not responded as I expect them to provide the information I requested in writing. I hope this is right. Have not heard from anyone else. Just waiting now. Leslie:)

Hi debs that what I thought when I recieved the text, I will ask for all notification by letter. I have taken what you've told me on board believe me or I would be out of it by now, tanks to you I'm now a level headed thinker and dont let anything slip me by. I bought a dress for my daughter's cristening and the dress was very expensive and when I took it home it looked like slight seconds. They changed the first dress and I had d same problem, the store manager refused to give me my money back and I would have left it usually, however I am different now and I called up found out my rights, wrote my letter giving them 7 days to respond, on the 9th day went into shop asked for my money under my statutory rights and got my money back. So again I thank you for your help and guidance.:D I just have to apply the same here and stick it out. Thank you Debs:):)

Hi Debs I am so annoyed at the moment, just recieved a text from payplan saying my iva has failed and I will get the information in due course. How can they treat me like this after I paid for a year. I was not in control of my circumstances agreed and they have now changed. Payplan now seem to have the power to make me bankrupt regardless of what I'm doing. But I am still sending the letters to the banks.

Thanks Debs, I just posted two letters today and sent them recorded delivery, I will post another two next week. I will go to CAB next week as I am really interested in what they may offer. I am so gratefull to you for your advice, you have helped me to understand my situation so much better than I did and to realise that even though it dosnt look it, I do have options:D I will keep you informed as I go along, however I still need your guidance please. Again thank you:) All the best Leslie

got another question debs, £20 for the information from two accounts or £10 as its the same bank. I am gonna post lettersin the morning. tanks debs, leslie

tanks debs for responding so quickly, i have been sat here all day lookng and reading and i took some templates off asking for an original agreement for the creditors, but this letter is so much better than d one i printed. i spoke to payplan and they are sayin as i'm not workin there's not much they can do and that more than likely i will have to be declared bankrupt and that i should go to a citizen advice bureau for advice

Hi debs its been a while, i just spent some time with my kids before dealing with all this, secretly hoping it woul all disappear. I have copied the letters requesting a copy of my credit agreement. but i cant seem to get a copy of the letter requesting a breakdown of charges. please help

Thanks Deds, I will now read through this an try understand it. I just wanted to say thank you for the time and effort you've taken to help and guide me. Thanks Debs:):)

I cant thank you enough for your guidance, and I will still need it as I go along, thank you again.

Thanks Debs u've made me feel so much better, I am so grateful, you just don't know. I only wish you had the same support when you needed it like you've given to me. Bless you.:)

When I knew I was going to be out of work I contacted my supervisor and let her know. I told her when I could make my last payment in advance so she could give me some guidance, she said they could add the payment for one year onto the end of the five years. However I had to contact her every month to let her know I was still unemployed. the year ends in february, i'm still unemployed with a young baby, thats it. lost, scared........................................:sad:

Wow Debs, thank for the link, I would have lost it. Its good you have stood your ground and are workin it out. It seems these banks can do anything they want if you as a customer do not become aware. thanks again, I will get on with it now.

I did contact contact payplan about whether there was any type of insurance to cover my non-payment and they said that it came in after my IVA so I'm not entitled. And I was told that if after february i am still unemployed then they would go back to creditors and I could be made bankcrupt. :shock: then wy did i bother payin. Payplan have offered nothing, that is why I am here now. Scared that my children will be witness to bailiffs turning up wen IVA fails.:sad: Loobyloo85 I have tried, I am on benefits now and sent this off to them as well. when I contacted them I was just out of hospital and got no sympathy at all.:sad:

Thanks Debs, I will start the paper work now, you have lifted a weight off my shoulders. :) But I still need to know what to do with Payplan and fialing the IVA.:(

Can I still do this even if the have sold on to debt collection agencies as I believe Barclays have done. I am really not good at this. Even if payplan is involved. Do I just contact the banks anyway with the letter from the template. What do I do about payplan? I feel so inadequate. I have been reading other threads and trying to understand the jargon and procedures but it is difficult. But I'm tryin. Thanks again debbbbsy you really have helped me. I await you response/guidance to my questions above before I rterieve the templates. Thank you

Hi thanks for responding. I was paying Payplan wen I was working when I went off sick I stopped payin, However I let them know when I would make my last payment February 08 and they said they would add the year that I couldn't pay to the end of the five years. The year ends in February 09 and then I will definitely fail the agreement as I'm not working. I'm really new to this so please what is SAR and who is CAG. Again thanks for responding and your advice.

thanks cosalt, i am so worried about what they will do as I no longer work.

I am in debt to Barclaycard, Barclays and HFC amounting to just over 15,000, I have an IVA with Payplan for just over a year and employed, I went off sick on Disability due to complications with the pregnancy. I am now on Income Support and have payments placed on the end of my agreement for the year I was unable to work. The agreement for the year ends in Februaryand I dont know what happens next, I am unemployed with a young baby. Seriously scared and seriously worried. I am just poor.:(

I am having income support paid into my bank and over the christmas i went overdraw by £1.38 and now have to pay £40. I rang and asked them how can this be fair but as usual they cant help me. I had 14.41 and the direct debit was for £15.80. I am so fedup:eek: