I agree its hard work but at least you get yourself moving forward to a future ...I am 2yrs 2 months into my IVA feel at least there will be a new day when all this is finished.You are never to old to sort your debts out better late than never....

Interested in retaining £500 its in my windfall clause 2yrs into IVA after my sister died over seas and left no money but a huge hospital bill its complicated however after 4yrs suddenly up pops her pension contributions returned after 4yrs even though I forwardeda letter from her scheme to my IP no...