No expert - but no how can they its not your responsibility to carry it out its your IP who no doubt will have been withdrawing the fees for the work!

Carry on as you are but remember to note changes as at some point they will ask you to complete a revised I&E as part of the review

Hi Dennis take the advice and talk to someone asap - the interest alons on that kind of unsecured debt will be huge - so as soon as you get going the less will be the debt

Hi - I am no expert but it would seem that you need to contact your IP with a view to organising a variation to reflect your new circumstances. How lomg have you been in the IVA as this affects how the creditors look upon a variation We had two variations during our IVA due to changed circumstances ...

Just a thought but why tell them you have a caravan!

Hi Lem we have all been there - first of all you have to try and step back - and plan which is hard because the phone rings all the time and you have no money which means even a simple thing can become a crisis. But it may seem that if you had carfriewd on for a little longer then it would be better...

one day at a time and this period will pass - the leters and calls will stop

ON a practical note once it is accepted - if you have a woodburner = all the letters come in very handy!

I would add on a practical note when my wife was diagnosed she was very ill and we were not sure she would last the week - thankfully we have past that now but during that week I realised that our Life Insurance would be taken if she had died as it would come under the windfall clause. I dont know w...

On the bright side - using cash not a bad idea at the beginning - nothing like having the cash in a tin and working out where the pennies are going - does get you into good habits - in an iva a bit of careless spending can mean beans for the week!

Hi Out of Depth - the calls will get worse look at the forum and there plenty of posts of how to deal with them - we unplugged the bt phone and just used the mobile until it stopped - or just answer tell them you are arranging an IVA and will be in touch - then put the phone down! - they all want so...

How long have you been in your IVA?

never heard of them - have you googled them? - what did they want?

I can relate exactly to your situation - my wife is in a similar position and we were in an IVA. Our family helped and we offered a Full and Final settlement which was agreed. The dividend accepted d was well below the original so they will listen and respond to genuine need. Get in touch with your ...

This is the worst time - calls and letters - but keep calm. Calls - we pulled the plug on the bt line for the 6 weeks or so it took setting up the IVA and used the mobile easier to screen calls - the letters are not too bad! Remember you are now moving forward and not just treading water wasting mon...

Thanks Lesley - apart from Experian who are the other agencies?[?]