Thankyou. There doesn't seem to be anything on there that shouldn't be other than still having my late husband as an associated name so I've emailed them about that. All is well

No, actually you've reminded me..thankyou.I meant to do that. *done! Ordered

I wanted a time limit. I knew someone who had an IVA and they were happy with how it was all going and what research I did attracted me to them. I also paid less monthly than on the debt plan which at the time was a major draw. I just wanted to be able to see a time when it was all over whilst having been responsible enough to pay back a decent portion of our debts. It's been finished a year next month and I think it was one of the best things I could've done..!

Sorry, I didn't see this as I started my own thread then was advised that as it was an IVA there was no point in trying. Just to answer you though, I can't remember ever being asked whether I wanted to continue or not, I was given a list of amounts one for each year of the iva. ..the iva payments increased slightly each year too, I think they did explain it at the time but grief really does addle the brain. .theres alot I don't remember about the first few years! To be honest, I think it was impossible for my (our) debt to rise any more than it was so I feel very lucky to have paid as little as I did and am not going to complain about not being able to reclaim as I thought Thankyou so much for being willing to help though, it's much appreciated.

Ok, thanks for your input. I have no problems taking responsibility for my (our) debts..they were definitely legit, I couldn't afford enough to even touch the overinflated interest etc so I ended up paying alot less than I would've on a never ending Debt management plan. Again, thankyou, the help is much appreciated.

Oh Poo...lol even if they shouldn't have been asking me for it? Ah well. At least I checked and didn't miss something I should have had, Thanks for reading and helping! Much appreciated

I opened a CAG email tonight which contained info about the Payplan cover my payments possibly being PPI. I called payplan in 2008 when my husband died suddenly. We had quite alot of debt that we'd already started repaying together on our own but unfortunately it was in my name. Payplan were great and put me on a debt management plan but I must've been paying the cover me payments fairly soon as when I eventually could cope with the thought of an IVA I got a letter changing the payments from debt management to IVA. I haven't any of the cover me info now, just a few letters and the amounts I'd be paying over the 6 years of the IVA. I only thought to keep the IVA info. I'm questioning paying this now as I can recognise that I wouldn't have been able to properly understand any implications at the time. .I remember struggling to handle the most basic money conversation at the time, I think I would've said yes to anything if it was advised due to my situation. What also bothers me is that the scheme was discontinued in 2014? Shouldn't I have been stopped from paying then? I have a letter in 2016 saying my cover was now cancelled due to the IVA ending. Lastly, at the end of my IVA I was asked to sign a form about any monies from PPI claims needing to be paid to creditors. During my IVA I was told I had to claim any PPI through a company they use and the money would be used to pay creditors. .this has been ongoing for years and is still ongoing. .nothing has ever really come from it, luckily I had reclaimed lloyds overdraft charges before any of this. I'm fairly sure sure the letter states specifically about the creditors and doesn't cover future claims so would I be right in thinking this is a non issue regarding a possible cover me claim? I've been advised already to send an SAR (?) which I'll do but any other reclaim help would be much appreciated..I know I've done it before but that was likely 10 years ago!! I feel much more intimidated this time round. Thankyou so much

Thankyou, I'll do it asap. I reclaimed from lloyds successfully many moons ago but my brain seems to have gone to mush.

Hi, I was with payplan til April 2016, for 6 years, and was paying this. I need to look out my information but I paid a set monthly amount that increased very slightly each year so I'm not sure if that counts as variable. What I do wonder though is if it was discontinued in 2014, why was I not told and was still paying for another two years! Would someone mind pointing me in the direction of a step by step reclaim please? I'll email them with the polite request first but if this is something I shouldn't have paid then I want it back! Thankyou

Well, It is time for an update. After taking a bit of advice and deciding to go down the small claims road, it being a quicker and more straight forward route, on the 14th Feb my husband very suddenly passed away. I took advice myself from the CAB on whether I could still proceed and it was decided to go to the employment tribunal for the wages and not bothering to claim for any other losses. They accepted my claim, my husbands employer just about got any responses in with hours to spare, even sending me a cheque for half the amount the day before the hearing. After sitting for 3 hours waiting for the case to be heard, the employers rep decided he couldn't wait any longer and managed to get the hearing postponed until July! So now my situation is this, I have a cheque for just over half the original amount offered as full and final settlement.The employer is arguing that my husband worked less days than claimed as the agency sent the invoice dated from the week after he started, i have no proof of exact days worked except the fact that the employer wrote him a cheque for an amount that corresponds with the claimed amount of days (and i have that cheque as it bounced and was returned to my husband) When he wrote the cheque,the amount has been worked out down to the pence.( and to be honest, if you're going to sack someone you don't write a cheque for a weeks more money than you need to do you.) I want to go through with the claim for the full amount as, apart from the money, I want to hear what the judges opinion is. Its quite obvious that this guy is taking the mickey.He also knows that my husband died and has not communicated with me once throughout the 12 weeks.He must also know how emotional it is to have this dragged out for so long. Does anyone know if I can accept this cheque as part payment only or shall I just return it and say I'd rather wait for the hearing? Would accepting it as part payment have any implications at the tribunal? The money does matter but like I said I want a judgement so that I know I've done all I can for my husband. Any advice will be welcome and I will also talk to the CAB again but am interested to hear your thoughts. Many thanks, Ladybette Advice today (mon 12th)suggests that I may have problems if I should accept the cheque even as part payment, so back it goes tomorrow!

Thanks everyone, I think its probably best to contact the CAB. I will update when I have news!

Thanks grizzleguts but I think maybe I wasn't clear enough, my husband got the job through an agency,but he wasn't working for the agency so they have no responsibility for his wages, pay slips etc. Thats all down to whoever hires him, Thanks for the input though, its much appreciated:)

Hi, Thanks for looking, I hope you can help, any I get will be gratefully received. I'll try not to ramble! My Husband started a new job at the beginning of Dec, working up to and including xmas eve and then went back to work on the 27th after having xmas and boxing days off (no other days off since he started). He was then told on the 27th that he was no longer required (no reason given, just 'not suitable') but would be paid for the month and was given a cheque which he immediately paid into the bank. He was employed as permanent although contracts had not yet been given, and had got the job through an agency (the agency says that there was a verbal agreement between them and him and this is binding) A few days into January we received the cheque back from the bank, it had been stopped. We checked with the bank and they confirmed that it was nothing to do with funds/ bank but actually had been stopped by the account holder/accountant/employer ( not sure who exactly). My husband tried to call but has not been able to speak directly to this guy, The agency has not had any luck either and we don't think its advisable to visit him in person! On advice from a friend and also a legal helpline, we have written to him giving him 28 days to pay before we start going down the small claims route. It is now almost the 28 days ( in a week or so) and we were hoping that anyone might advise on filling in the paperwork for the claim? I have only experience of small claims from reclaiming bank charges and all the POC's were given in a template, this is the bit I am worried about.. what on earth do we write? We want to claim for the original amount but also the claim costs and is it possible to claim for interest and also charges that we have incurred due to the money not clearing? That money was a months worth of bills that didn't get paid, including our rent, and we 've had at least £100 worth of charges because of all this. I know that the claims have to be worded just right and it scares me to death as I just have no clue what to put, whether I need to quote laws or acts or whatever! will the clerks at the court help us phrase things correctly? Surely we can't just go with blank forms and expect them to word it all? Now I'm rambling! sorry. Thanks in advance for any help

Thanks rory32, does that mean we now hold on til the 30 days are up and see what happens?

Ok, an update, Any advice will be much appreciated! I sent off the CCA request adding in a bit asking for the statement of account, included the £1 postal order and the 12+2 days are up today. However, my husband had a letter yesterday (dated a week ago) from the dca's pre litigation section saying that as they've had no response from hubby they may now pass this to a field agent and can he call them! They have signed for the CCA request, I've checked and have proof so maybe the letters have somehow crossed so I'm not worried (they signed for the CCA request a week before this other letter was sent) but what I'd like to know is: Do we phone them and query the letter? Or, are we now in a good position to offer a smaller settlement, say 10%? Am I right in thinking that the debt should be unenforcable for as long as they don't provide the agreement? We want to have the debt settled to get it off my husbands credit file but also as we don't want it hanging over our heads, plus there's always the chance that they could apply for a ccj in the future and that WILL be enforceable. Or, do we just ignore the letter and wait until the 30 days are up and then... what? Thanks for any advice! P.S thanks to n.p, it did help I'm just not comfortable without a proper 'end', plus I do feel that if he's borrowed the money, he should at least pay some of it back!