hi i'm using mccambridge duffy ,i have just come off the phone to them ,they advised me not to continue paying this creditor and to refer them to them directly ,i have been paying £600 per month to payplan and £100 per month to this creditor so no wonder i'm broke !!!!i can't wait till this is hopefully all over ,i'm having to give up our home anyway , to offer in lump sum payment ,this will offer around 40 p in the £, so i wish i had known about ivas earlier feel like ive been in limbo for 3 yrs ,some of the debts have come down but others which started out at £150 have grown to £600 .I pray that my iva lump sum is accepted i'm so ill with worry ,keep been sick .
I overdosed in 2004 when i thought the creditors were going to take our home ,i was in such a state ,my second daughter was born disabled ,my husband had an affair and debt was killing me ,i know thats not the answer now ,but its easy to feel so low ,especially if you have no one to turn to . I feel so much stronger now ,this forum has helped alot ,i am so grateful to all your advise .
my baby is due in 6 weeks and i have that to look forward to ,although i have my iva to try to sort out at the same time ,so many creditors ,got to collect all account numbers and balances however don't receive statements anymore for alot ,but i do have account numbers hopefully my ip will be able to help me collect the balances .I hope 2008 brings luck for all of us .
