So we have just emailed our end of year review and shall wait for a response. We are with GT and I have just joined the forum this evening and am a little scared by some of the posts. We are still waiting on PPI outcomes and have been getting a few letters to say that certain creditors have not been...

Hi, I have only just joined today and have a slightly different slant on things. Think back to before the IVA and happier times and consider the sheer stress of the financial situation has added to the unhappiness. I talk from experience as my husband and I have just completed our first year and hav...