During the period prior to getting my IVA set up Mercers (AKA Barclaycard) were the most difficult creditors to deal with. They refused to answer anything submitted to them in writing, would continually ring me up to 12 times a day. The staff were oblivious to the actual facts of my case and were on...

Thanks all for the messages of support, wish I had found this forum earlier. However, Grant Thornton have done some excellent work sorting the IVA for me.

Just had news that all creditors have accepted. What can I say? Month 1, day 1..... [:D]

Just had my IVA accepted - Month 1, day 1, not long to go now..... [:D]