Hello friends, I am still alive, just!. Just started year 5 of IVA. My IP is still very vague, I rang them today to ask if I should be contacting lenders now and they said yes, as usual another phone rang so IP said she would have to answer it and goodbye?. So depressed and sick still. Boy, could I ...

thank you guys and girls, I am working at moment so sorry for delay in replying. I will continue to post and keep in touch. Work does take my mind off things. x. I like making other people happy through my work, it gives me a buzz. It might help if I told my whole story to you all, I did with Money ...

thank you Lem & Jo.58 and Kallis3, I do feel better thanks to your kind words, I will continue posting later today. Thanks again for being there for me. I feel I right wimp, but a stronger wimp as a result of your advice and concern. x

thank you everyone and Lesley,Kallis3, Dontlookback, Foggy x

I hope when I do a quick reply everyone sees it, Skippy, Kallis3 and loads of people have been so kind. I cant believe how many people are on here and how supportive you all are. Thought I would be boring you all stupid with my worries. Sounds so corny but you all have given me some extra encouragem...

I have been speaking directly to the boss of the company not staff. They have not paid anything to creditors yet, i dont think, after 3 years of payments. My wife and I did not get advice, we just signed the IVA`S did not even read them, I tried and vomited due to my mental health problem.

I am not used to forums and have never used them before so i hope I reply to everyone who has offered advice. I have logged on again as I dont like letting anyone down. It does help me feel better that there are people on here that care. If anyone is curious, I got into a financial self destruct sta...

I cant name my IP as I cannot prove that I have been mislead by them, it would be slander. MRBLUESKY you have not upset me, I have lost track who asked me if i was a liar. It is a small company of chartered accountants and they were referred to me by CCCS. Their last words to me on the phone today w...

I am so sorry but I cannot cope at moment, not feeling sorry for myself but I have been sick and think I am going to be sick again. I really do appreciate everyones help and advice. I am not the only one having problems. To be honest I just want to curl up and die quietly. I feel so much guilt about...

Sorry, just thrown up with worry. Taken some more pills (prescribed). My ip is not very friendly as they have said that they are not pleased that I have been seeking advice from other sources. They will probably hang up on me. I have spoke to them today and they are very offended that I have been se...

I was offended but not to hurt. Thanks

Thank you, best advice yet. I will act as you suggest and keep my fingers crossed. Hanging on a knife edge is what is doing us all in.
Thank you very much

100% honest, thanks. Too honest for my own good.

Thanks for your reply, much appreciated. I do not have it in writing, it was a 1hr 30 minute phone call to the ip and he said that he had a customer who owned a very expensive house with loads of equity and when it came to his customer trying to raise a re-mortgage he could not so the IVA was extend...

Thank you both for your replies. I have contacted my ip and she said our creditors may extend our IVA`s for 2 more added years if we cannot re-mortgage for another £70,000 or make us bankrupt. The IVA company knew that we would not be able to re-mortgage when we signed up for the IVA as we already ...