Thanks Lesley, guess any savings made would increase my IVA payments. Its not so easy when other cost have gone up. Congratulations on only having 1 months payment left on your IVA.

If I change mortgage options and pay slighty less each month does the amount I save go towards my IVA?

My IVA company keep sending me a form to complete for PPI claims on my creditors to a claims broker. As I am not owed PPI I didnt bother to complete it. Now they have sent me another letter telling me that the broker will contact me (do they know something I dont?). I phoned my IVA company to get so...

I would like to thank all of you for your support/ advice for the past two years of my IVA (cant believe its two years already).

Have a Merry Christmas and all the best for the new year.

Well after all this I dont feel striking today has had any impact on the government. I may have had a day off but when I go in tomorrow I will have to catch up on every thing I would have had to do today. All thats happened is that those in private sector jobs dislike public sector workers even more.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Broke of London What's your problem Oskiee? If you attack me personally of course I'll answer for myself. I guess by quoting my last post back to me you've proved some point to yourself. Care to explai...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Broke of London

I'm a bit of a wuss too but I'd fire off a couple of words! The second one being 'off'!

Well there you go, you can either take part in the debate or throw your toys out the pram !

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Broke of London Don't worry Country Girl! We have to respect the right to strike, so strikers should afford you the same respect for your decision not to. Thought you were not goimg to take part in thi...

Apologies if my initial post has caused argument but I have changed my mind. I am going on strike. I will join the march into town with citizen Smith and the Tooting liberation front "POWER TO THE PEOPLE" (showing my age), Well they are all going to the pub for the rest of the day. Still dont think ...

Looks like I have initiated a political debate. I think its ironic that I am in debt and on an IVA and my taxes have been used by the government to bail out the banks, and what do they do? Pay millions of pounds to each other in bonuses !

As a public sector worker I am caught between a rock and a hard place. I support my colleagues across the country but cannot go on strike on Nov 30th. I cannot afford to loose a days pay. I have not told anyone at work that I am on an IVA. I will have to cross the picket line in shame. Its crazy how...

Hi claws, I to am about 1 year and 3 months in and it is hard at times. I can remember initially concidering an IVA, then applying and worrying about being accepted, then 12 months on and worrying about the review. I do feel however that this time has passed so quickly. It feels good not to get the ...

I waited for a call regarding my 12 month review at the end of Feb but no call. I did post earlier about my income staying the same and my outgoings going up. I have now recieved a letter with a 12 month statement. It also shows how much my creditors have been paid (in most cases nothing). There is ...

There must be a way of raising this issue through protest and our democratic process. They should be held accountable. This would only happen if it was deemed criminal. Which it is !

I am coping with my payments (bit stretched at times) but not ready to throw the towel in. This letter arrived with my name on it. Guess these companies are able to get personal information about people which is a little unsettling.