I don't know where to post this, so here it is: The FT have an article entitled "Burgeoning debt industry loses its allure" I'll quote parts of it, the full article is linked to below. Banks have become publicly critical of the IVA companies, which in many cases are receiving as big a fee for their services as creditors are obtaining in repayments. "We don't think the fees these IVA companies are charging are appropriate," says Richard Lindsay, a spokesman for HSBC. Those two sentences made me smile, rather like th epot calling the kettle black. However, if you read all of the article, it cautions you against some of the pitfalls that can await the unwary if entering into an IVA. As I mentioned above, click below for details. FT.com / Home UK / UK - Burgeoning debt industry loses its allure

And if you want a pep talk if you have to go to court again, let me know. Can't have you moping around the guildhall again!

RBS were (last year) 'encouraging' its employees to use 'Your Bank' and making it part of terms and conditions of employment (or so I believe) for new employees because 'leavers' were still being paid their salary after resignation (or other leaving reason) in quite a high number of cases. As far as I am aware, they can and do have quite a harsh attitude towards employees who run their personal accounts in a way that prompts any kind of 'unauthorised' charging/interest rate application. I know this thread is a few months old, but tread carefully here. I wish you good luck. Regards, A B I