Thank you, Melanie. I will take note and contact my IP with your suggestion. Thank you to everyone who has given me advice and your thoughts this week. I clearly need to spend the rest of today putting my paperwork in order, going through everything with a fine tooth comb and making a clearly docume...

Many thanks to you all for your advice. I will ask my IP for a statement of the amounts I have paid per month since before the IVA officially started and up to date. I assume they will be willing to provide this for me so I can cross check their calculations and figures against my own records? I was...

Hello Thank you both for your replies. I have just trawled through the mounds of paperwork I have - I hadn't realised how long this has been going on and that I have actually entered year 3! A summary of events: I contacted a Debt Councelling company in August 2004 and paid a total of £600 and they ...

Hello - I am in year 2 of my IVA. Year 1 was fine, but I have defaulted in year 2 by not increasing the payments or paying the overtime - I could not afford the proposed increase and have to admit the past year personally has been quite horrific. The Supervisor is questioning this now and has sent m...