Puppy, as everyone else has said you are not alone. Indeed it takes a reality check and in particular one assisted by a good IP admin team to make you realise just how far out of touch with the actual debt you really are. From a personal point of view until I got my head out of the sand and actually...

Fully agree. If when making the F&F offer stipulate that it is only available for the settlement. It is not accepted the offer will be withdrawn from you. Good luck

To be honest I had nothing but trouble getting onto the site. Registration was a nightmare so I gave up dejected and worked on the theory that I would deal with it when my IVA finished as what was on it was a foregone conclusion.

Ahhh BOL that rings a bell now.

My combined electric and gas gone up by £20 a month. Thankfully review is due soon so hopefully will be looked on in a favourable light

If you get any answers let us know won't you. Good luck

I think Mel has hit it right on the head there, the psychological benefits must be huge.

Brillant news so thrilled for you, and well done Mel on diversifying her business to include weight control success. Now theres a business woman!

No idea but again lets keep this bumped up then an expert will come along and enlighten us all

LuluJ, can you recall what that book was called?

Make sure you all keep a record of any unpaid Direct Debits and standing orders etc. The banking group have promised that they will cover all these type of costs caused by the fault.

I certainly scan and e-mail mine along with the uplift payment schedule every month, that way I am more or less certain that there are no hidden surprises in store for me at my annual review in a couple of months time.

Reading through the posts on this subject one thing is very definate; and that is that there are varying degrees of service provided just as there are varying degrees of circumstances of debt that we present them to work with, and at the end of the day as long as the IVA is managed properly, by the ...

As a thought process the amassing of debt on credit cards through shopping adictions etc are equally as damaging and this can be absorbed and helped. Unless I have missed something in the thread we may not be talking about a gambling addiction merley someone who tried to gamble their way out of debt...

I do not have experience in dealing with them but they do come highly reccomended by others; but what I can say with conviction is that if you feel comfortable working with them that is a great start. I can think of nothing worse that having to work with someone you are not comfortable with for 5 to...