my wife and i are 2 and a half years into and iva, we just been told that were both being made redundant,i have worked 16 years in my job and my wife 22 years in hers. we are both on the minium wage and our redundancy payment will be about six months salary will we be expected to pay that money in o...

in the last few months due to staff illness i have worked a considerable amount of overtime,i submitted my payslips and payed the extra payments due.thankfully the staff have returned,extra people have been employed to cover sickness and holidays, so overtime has come to an end. in my annual review ...

we have just completed our 2nd year on our iva. this week i recieved 2 letters from creditors barclaycard and mbna informing us that they had sold and transferred the debt. mbna to a recovery company to be administered by a firm of solictors,barclaycard to a firm in luxembourg also to be adminisered...

my wife and i are in a joint iva.we are just about to have our 1st annual reveiw most of our allowances are fine,for meals at work we are allowed £35per month between us we both work 20+ days per month which works out about 87p per meal,over a 10 hour shift its just not enough,

i think a lot of people on modest incomes run into problems because pay day is per calender month which sometimes in 4.5 weeks .up until the age of forty i was paid weekly in cash if you were skint by wednesday at least you only had two days to to go till you got your packet,with monthly pay if folk...

i tried to ignore them until they threatened to send some one round to our house,two of them started calling me at work which was really embrassing , barclays did send someone round one friday night about 8pm he asked for my my wife i told him she wasnt in said he would call back,which left us on ed...

they were still calling my wife 3 weeks after our joint Iva had been accepted in the end i lost it, and told them to .... off ,haven't heard a word since

hi Dave the important thing is that you take some action,its daunting i know deciding who to contact,i initially went to a charity (debt advice network) they helped me get things in perspective and gave me some useful advice in the end i decided not to go with the firm they refered me to as i found ...

the important thing is that you've taken that all important fist step well done all the best.

i had a problem with capital one they kept calling me at work despite me telling them that couldn't take personal calls they persisted.it was really embarrassing to be contacted on a public phone over a deeply private matter.

my wife and i had our Iva accepted on Feb 18Th much to our relief. at last we thought the hassling would stop and most of it did except for Barclay's who keep phoning my wife they rang this morning twice yesterday numerous times since our acceptance.i called our ip who contacted them about it even l...

all the best,good luck

thanks everyone and good luck mumofthree

our iva has been approved its a weird feeling on the one hand its a great relief, on the other there's a little bit of trepidation about the tough road ahead,but by nature I'm am optimist and by taking it one day at a time we will get there .i would like to thank all the people who helped us in the ...

i was off work for a few days last week when i returned i was told by colleagues that someone kept ringing for me when i checked the number it was a firm called RMA instructed by one of my creditors,MBNA to contact me about late payment,i am in the process of applying for a Iva and have selected a f...