Hi, Hope this was too late for you. I fallen into the same trap and never was able to speak to or discuss anything with my IP (s). Now being final year has been sold to GT - from frying pan to the fire!! BlairEndersby a worse place you can be!!

Hi dashy-1, That was very quick response.. thanks again. If all creditors were unable to provide CCA and/or who are can be settled out side of IVA, Could I take my money back from IVA account? What will happen at the end of IVA on completition and with unenforceable agreements? Still creditors get what they claimed for? I'm really want to sort this out or atleats cut down my IVA payments as my income went down after previous employer went bustered. IP's call center said they will try for anothe fee but not guranteed for favour outcome. You do not believe this, I sent atleast 4/5 recorded letters to BlairEndersby and they did not give a ****. I'm really serious and will go to their regulator once this is sorted. Thank you.

Hi Guys, I'm in the same boat as well. Have started my IVA in 2006 and have two more years to go now. I have recently noticed that Two of creditors claimed around £5,000 more than what I borrowed from them and I intent to CCA all of them. Would this effect IVA, if any of them come back with no/unenforceable agreement(s)? Would my monthly payment of IVA go down? Should my IP have validated all CCA even before commencing IVA? I'm with worst IP(BlairEndersby) and never had a single chance to speak to my IP. Also guys anyone ever noticed that when you search for your full name on Google your IVA record comes up? Clear violation of Data Protection Act 1998 - Failure to prevent unauthorised access.