well, you have made the very first step now, and once you make the next one you will far easier, and be able to sleep. Very best of luck, I jsut wished that I knew about this site when I first started, but not I've found it wont let it go. I'm sure your be OK, shame about the CSA not lowering your p...

Kate, it took me about two weeks to speak to anyone you are not on your own, and once everything is in place you will wonder why you did not do it sooner, I even got in a state the other week as I needed a payment break but whenever I have had to deal with anyone they always treat you like a human b...

Hello, I go through Wilson Phillips, you dont pay any up front fees, be honest with yourself and list down your debt and how much you pay and if you are in arrears, give them a call, the first bit is a bit scary (well i thought so) but you will need to have a basic bank account, that has no overdraf...

I'm paying mine back at the end so instead of finishing Sept 2012 I will finish in November 2012 but i dont mind at all as long as its sorted out

Its funny because you think its only you, and when you come on here you realise its not, I've struggled so much, and its was difficult from the begging, my dad died, my husband left three days later, then I had to take the IVA, but hey, I'm four years (almost) in, going to have a new washing machine...

oh i do, will be able to sleep tonight, have got myself in such a state about this, and for nothing, could not beleive how easy it would be. And more importantly can get my tooth sorted This has made my friday, actually my week

I must tell you all this, I've phoned they agreed straight away for a two month break - Oh am so happy could cry

and not feeling so alone, thanks to you all. I think I've always tried to keep this to myself that I got into debt, and have never talking it through freely but now I've found this site, well, cant thank you all enough

Yes will definetly stick around, will let you all know about the payment break, and once again thanks.

I did not realise just how many people were affected by IVA's, you always think its just you

Good Morning, thank you all for the positive threads, I did not know people could feel this kind against a stranger. I've never though of my IVA on how many months days left but what a good idea, and something to focus on. I really appreciate all your help Thanks again

Oh this really is a useful site, and I've struggled and not talked to anyone for four years (well almost) No not in arrears, have never missed a payment, always paid by direct debit and every month on time.

Thank you vry much for your time, I will phone when I'm at home

i see you have only just started your IVA, at least I'm almost four years in, thanks very much for the advice, was feeling a bit on my own, till i found this site,

No, dont know of that site I will have a look, ok I'll ring them when I leave work (cant really talk things through here) open plan office, and have a look on freecycle - thank you very much

OK thanks, have already sent an email, should i wait on that, oh just call then anyway

Thanks for taking time to reply, having a bad day today, all getting too much

I'm in the middle of an IVA expires September / October 2012 but my washing machine has broken, and I've cracked a tooth. I have no spare money, would I be allowed a payment break, I have never missed a payment, and if I was granted it would I put the missede payment onto the end of the payment sche...