thanks for your good wishes and thanks again for your advice,i feel like a weight has been lifted.xxxxx

morning, well i have rung my ip and yippee all sorted they were so nice with me and i can include my catalogue debt and because my hubbys payrise meant we lost some tax credits theres no change there. thank you all a million times over for your support and advice, i wouldnt have rung them without yo...

well its sunday night and im feeling sooooo nervous about ringing my ip to-morrow, but i suppose people have done worse than me. what will happen if she says i cant iclude the debt to my iva. didnt sleep at all again last night! dont think i will to-night either.

thanks for the support, i will post you on monday when i have rung my ip.keep everything crossed for me,i know to some people it will seem trivial compared to what they are going through,but its making me ill.

thankyou all, just hoping i feel more confident on monday,ill have to ring rather than write or e-mail them as then i will be dreading the phone ringing knowing they wil ring me.but what will they say about me making the min payment,ive struggled to find the money for it and once these extra buy now...

thankyou for your replies, ive been awake all night with worry.i have decided i will ring my ip on monday...dreading it though. i owe 1,200 on the catalogue debt been paying minimum amount, i meant my monthly payment was not a great amount.will there have to be another creditors meeting?i only pay a...

i and my husband have been in an iva since june 2011,i didnt include a catalogue debt at the time and have kept my monthly payments up (not a great amount)i havent ordered anything from them since i went into the iva.my other problem is my husband got a pay rise at the end of november and we havent ...