Thanks for that Melanie.
My only real quibble is the high fees, but if I question them, I'll just incur more?
I'm presently starting a blog and hopefully it will finish off with me being out of this mess by the middle of next year.
My blogs at:
http://shazzy.blogs.iva.co.uk/
I desparately need to be out of the IVA by the Summer of next year, as I have to go abroad with my work and they will not allow me to go while I have the IVA.
I could lose my job over it, as my contract is dependant on me being able to go out to Australia and I'm having probs getting the VISA because of the IVA.
So any adviceyou guys can give me would be much appreciated.
Sharon
Arghhhhh!!!!!!!!!
If only I'd said NO!