I am with McCD and they are BRILLIANT.
I cannot praise them highly enough. I have a couple of years to go yet, but they have been great. Michael is lovely. he is so helpful and nothing is too much trouble.
Stick with them.

Morning folks. Yes Michael got in touch first thing yesterday morning. It was indeed an admin error. Michael was really helpful and it's all sorted now. I'm more than happy with McCD and they have always been brilliant and I understand errors happen but it's all good now. Thank you Michael [:)]

Thanks Lesley. Im worried sick! They agreed to me taking the 2 payment breaks so I am hoping its just an admin error!

Thanks Foggy

Hi Folks, I'm with McCambridge Duffy and have been happily paying my IVA for a couple of years at £200 per month. I have had 2 payment breaks when I changed jobs, but this morning have received a letter saying I am £400 in arrears and I need to clear it off in 14 days. The payment breaks were approv...

Hi everyone, its been quite a while since i've posted. Im not over 2 years into my IVA and all is going well, but i'm such an idiot! A few weeks ago i sold some bits on eBay so I had a little money towards Christmas for the kids. It wasnt much, £66 to be precise, and it went into my paypal account. ...

Hi everyone. As some of you know im in an IVA which is ticking over nicely. Ive accepted another job the other end of the country and shall be moving soon. I own a property with my ex which I currently live in and my ex contributes to the mortgage as we have kids who also live with me. We both agree...

Thank you Andy and Tina. The shortfall on the car is not as much as i though - it would be just over 1600, however I am able to pass the lease onto another employee which would mean i dont have to pay that penalty and i have someone interested in the car so fingers crossed! I am hoping to take a pay...

Hi everyone Ive been offered a job with more money and a promotion at the other end of the country. I am keen to accept as its a step up my career ladder, however I own my home with my ex - i plan to rent it out for a few months with a view to selling it after 12 months or so. He is fine with this. ...

Thanks foggy. I dont think they meant to be short with me, i just didnt know who I was supposed to talk to and i still dont really. A lot has gone n over the past few months and ive struggled with stuff which has probably made me over sensitive. I felt quite flustered when i came off the phone and i...

My IVA has been approved (yay!) and i rang my IVA company today to speak to the person who has been dealing with it all only to be put through to someone else and told they would deal with me now as my IVA was approved. They were quite short with me, and it threw me a little. I had something i wante...

My IVA was approved today! After the past few weeks feeling that i was in the depths of despair, today my IVA was approved. I cannot thank the team at McCambridge Duffy enough. They have been absolutely FANTASTIC. And thank you to everyone on the forum for helping to keep me sane! x

I know lem, and i know what your saying is right, but im a worrier by nature. I did manage to speak to my IP again last night and he said perhaps the credit union didnt understand the IVA process. I also told him i was terrified of losing my home and he said to go bankrupt would be a waste of time a...

He mentioned an adjournment and said something about 14 days. I cannot go through this for another 2 weeks. I am already in pieces and to drag it out for another fortnight seems pretty pointless and is not good for me mentally. I am already exhausted from all of this. My marriage has gone, im in deb...

I feel sick to my stomach Foggy. I am absolutely devastated and cant see any future for us now