Lol....thank you again Foogy. As previously said, I really appreciate your advice. Sorry if I came off rude on the 'THE OTHER PLACE!!' but am going through a lot of worries(as I am sure we all are) and just really wanted a bit of guidance. I really am a nice person!!!

I am 30 months into my IVA and have paid off £8000 so far. I am paying 23p in the £ towards this. Do you think if I offered a 30-35p in the £ as a settlement it is likely to be accepted? My parents have offered to lend me a lump sum to pay for this as my income has reduced since taking it out and my...

I have been in an IVA since May 2009, and suddenly get a call from Blair Endersby saying that I am 385 OVER the inital amount as Ltsb has placed my debt to them at double the original amount which was specificied at the creditors meeting. I am thiking of going bankrupt as they want me to pay an extr...