Thank you. My case officer at Payplan is going to contact them. I will try to call CCS tomorrow and hope they are amenable. I cannot find a phone number on the DWP website to call about this directly.

HURRAH!!!! They left a message at 4.30pm today to say my offer has been accepted! I have gone through a range of emotions - elation, RELIEF, grief (at a wasted decade in debt), RELIEF again, hope - everything! I now await the paperwork. however. it appears I am not quite free yet. I came home to ano...

Well after 16 weeks of painful, frustrating waiting for my Full & Final Settlement meeting, and being specifically told to 'be available' by the phone at 10am this morning, the result was.............................................. a big fat NOTHING. At 12.30 I still hadn't heard anything so phone...

I had trouble making this posting and at the last bit I meant that there are rumours at my place of work we may get our first payrises in many years early next year; will my creditors have any claim to any payrise I may get before I am discharged next April? thank you.

Morning folks - I have questions about Full & Final offers. My case officer is now on holiday and no-one else appears able to help me so I am turning to you more helpful and understanding forum people. I made a F&F offer on the 2nd of June. 11 1/2 weeks later I have FINALLY been given a date of the ...

oh it's very exciting seeing all the people who are in their last year too, like we're doing this together :-) Peejayel, Country Girl, Struzzo - you know exactly what I am going through. Yes, one more summer, one more Christmas. Still in limbo, can't quite believe it, but nearly there. Good luck to ...

Thank you Foggy. Having this forum, with you and others here, has kept me sane & stronger for the past 2 years [:)].

oh I have been waiting a long, long time to see this anniversary! I have done 5 years of payments, now only 1 to go. 60 months down, 12 to go. Light nearly is at the end of the tunnel. It gets me emotional just remembering the phonecall to the insolvency practitioner as the case was being decided. I...

52 down.....20 months to go - hurrah!!! I've even got a ticker to celebrate

I don't post often but just wanted to mark another milestone.....four years since my IVA officially started [:)]. Sadly, frustratingly, I have another two to go [V]. But I am relieved and proud at having gotten this far all on my own. I admit to a little envy reading about those who have partners an...

Thank you lovely forum people who undertand what I am going through. I feel great today! card safely locked away in safe for use for company necessities only. I HATE cards!! I have managed to live without any for many years now but I understand why my company wants one just in case. As for 18 mths t...

So! I have the company card in my name and they didn't credit check me. Phew!! I have to say if it hadn't been for the fantastic advice I received on this forum I might have panicked, confessed all and possibly lost my job (okay okay that is worst case scenario but it was going through my mind). And...

Thank you all for your experienced advice. There was no mention at all in the forms about undergoing a credit check. I filled in the forms today as the person to be named on the card. The bank (Coutts) require a specific person to be named on it even though it is solely for the business and my boss ...

I will let you know how it goes but THANK YOU so much for reassuring me. I am sure I would not have slept a wink tonight without this hope. I have done all these years without anyone finding out it would be awful if it was discovered now!

But will the bank not run a credit check on ME? Seems extraordinary they would not. But I have been a signatory on the bank account for years before I started my IVA so maybe they think I will be fine. (And I will be of course. I actually believe my IVA discipline has made me better at managing a co...