I wish i had children/grandchildren,must be a joy this time of year.My best xmas present was a tub of antiwrinkle firming day cream. I think she is trying to tell me something haha!It was good to have gift as normally my cat has more presents that i do!

The weather has been mild this Christmas,unlike last year and i am dreading when it gets colder.My flat is heated by storage heaters,but they are so expensive to run.Pensioners have £200 /£300 winter fuel payments,plus this year they can apply for a further £120.I phoned my energy supplier and to re...

Hi to all, you must try this four bird roast,it is absolutely delicious!It is made of chicken,turkey,duck and goose,in layers with sage and onion stuffing,in between the layers and best of all you can cook it from frozen and about 20 minutes from the end of cooking time you take it out of the oven a...

Thank you Melanie.I spoke to Payplan abount PPI refunds on some credit cards,he said i would have to give it back,so i expect that it will be the same for this.I did wonder if it was a trick by the creditor ,so that on my next review ,the i would be rejected by this creditor.They say they were not e...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Let's hope that you have the £500 level on windfalls and are able to keep the money. What a silly creditor, and personally I would check your proposal before notifying your IP to see if yo...

I have received a letter from a loan company (which i included when going into the IVA) and it states that they had overcharged me and they have enclosed a cheque made payable to me for over £400.Why would they do this when i still owe them money?What should i do now.

Thanks Kallis and Lesley,
I went into the Co-op bank yesterday and completed forms,just now they called me to say it has been approved.She also said i could have a current account if i want to,instead of the cashminder account.That,s quick service!

Ah thanks Lizzy,could you answer me a question?I have a savings account with nothing in it at a different bank, so will that be frozen as well as my current account at my bank?

When i have th IVA accepted the current account at my bank will be frozen,but if i have a savings account elsewhere (with nothing in it) does that get frozen too?

I don,t feel so alone now!

Thank you again for your support.

I did owe £21,000 but it is much more now with all the charges and interest. Payplan tell me not to worry about it.The debt management plan has been going since 2009.My only income is from benefits.

Thank you to everyone who has replied.I am ashamed I am in this mess.
I am with Payplan and they suggested this IVA.