You can't get an IVA until you owe >£15K IIRC.

"nick" <no@reply.thx> wrote in message
news:45d9eaba$0$8753$ed2619ec@ptn-nntp-reader02.plus.net...
> Id suggest her talk to a solicitor and get a IVA, then ask 3 to take her
> to court. In court you will just say I can only afford
> £1 a month, and judge will say ok, and thats it.
> DCA's, just ignore them, they try various methods to scare you but they
> cant do a damn thing without a court order. (Which they never get)
> They are NOT bailiffs!
>
> "Paul Harris" <nospam@127.0.0.1> wrote in message
> news:dUjuvwX3jd2FFwtx@zen50073.zen.co.uk...
>> In message <1171896167_4857@sp6iad.superfeed.net>, Chris Morrison
>> <hidden@nospam.priv> writes
>>
>>>My questions are:
>>>
>>>Locking someone into a contract for 18 months and charging them £300+ to
>>>get out of it is immoral,
>>>punitive and unfair.

Well not if you sign it. Gosh some agreements (like mortgages) tie both
sides for up to 25 years, and when my mum died :-( Liverpool Victoria paid
out on a policy taken out by her mum when she was a little girl ~75years ago
and hadn't had a premium paid for over 50 years.