We are still being called by Mercers every 2 weeks. They claim they know nothing about our IVA. I am still getting statements from Barclaycard too. I have to say they are the only ones though. It is getting frustrating now as our IVA was agreed in June and Barclaycard voted in favour! Mercers (on be...

I didn't answer the security questions but they carried on regardless! What's the point of a security question when they ignore the respose anyway?

Great post..like you say no less enjoyment! Sometimes I think we think our children need all this money spent on them to make them happy but they don't. Due to our dire financial circumstances, I made my son's birthday card and didn't have any sort of formal party but he still had a great day. I act...

Congratulations!

Well said Mattybaldy. I too feel that I have let my creditors down and almost see each of them as a 'person' I have let down. I hate to let people down and strive to avoid doing so. I hope my creditors get as much as they can from my arrangement while at the same time I feel relieved and grateful fo...

We have just started out too. The phone calls have finally stopped and for the first time in months I can concentrate on things other than letters and phone calls from creditors. I think this will be the first time in our married life (10 years) that we have had money in the bank at the end of the m...

Hi, this is exactly what happened to us. I sort of knew we couldn't carry on but didn't want to admit it. We were up to date with payments but had no money to buy food etc. I too worried that it would go against us but now I think maybe it shows our committment to wanting to pay. I felt like a failu...

I'm off to the bank tomorrow too. I need twenty quid in £1 coins for the dinner money jar. What would we do without our jars? lol I won't be happy until those jars are just perfect [:)]

I would call them and explain your situation. I usually bury my head in the sand and try to ignore things that are stressful. In the lead up to my IVA I answered every call and let them know my situation and made sure I phoned my creditors to explain when necessary. I sort of figured that I was in d...

ThriftyWitch that is so funny. I am paranoid about break-ins too. I keep thinking a burglar is going to come in and steal my jars! and then I will be left with nothing. I am one of lifes worriers I'm afraid - once one thing is sorted I HAVE to worry about another thing or I worry that I'm not worryi...

Hi there jar collection buddy! I am a perfectionist too and since my IVA went through I have been busy preparing for our 'new start'! I have gone slightly mad though and have thoroughly re-arranged my house and filing systems to accomodate my jars!!! I feel like I have a new lease of life since our ...

Thank you everyone. It's good to now there is so much support out there. It can seem very lonely at first, but you are all great!

I have just done exactly what you have decided to do - I have all of my money in jars for the different things I need. I have just started my IVA (1st payment next week!) so I want to make sure I start as I mean to go on! I have put aside money for yearly items and labelled envelopes with 'Car Tax' ...

Hi - I'm new too. Just started our IVA (accepted Weds) and I have felt in limbo for the past few weeks. I was convinced all of my creditors would not accept, but they did. Hopefully yours will too -good luck!

congratulations!