I had letters for a few months and even had one from a debt collection agency which my debt had been 'sold to' once I'd sorted that one I had no more, just the standard one they send informing you of your debt. I just pop them in my file and ignore them now

Hi All, Haven't posted in ages but I can't believe a year has gone by already[:0] I've had a letter asking me to complete my expenditure form, provide pay slips etc. I've no problem with the pay slips but the expenditure form looks a bit daunting! I've not kept every single receipt but have a basic ...

Thanks Michael, I'll do that. Have looked at the bumf that came when my IVA was set up but tbh I don't really understand it that well

Ruthie

Thanks folks.... Will pop it in my file and ignore it!

I know - I've had no problems with them at all and things have gone well, just don't understand

Things have been ticking along well but today I received an arrears letter from Barclay which showed an increase due to interest, of almost £1000!! Nothing has been paid to them in 8 months but I have been paying £254 a month to MacCambridge Duffy! What is my money being used for then? It's very dis...

Hi all, I've been in my iva since June and all has been fairly quiet apart from a few calls from creditors. For the past two weeks I've been bombarded with text and calls from people wanting to talk to me about my debt problem! Where do these people get my name and information from?! It can't be the...

One of mine were Barclays - they were very helpful and supportive - didn't ask me for payment at all!

I answered the calls and let them know that I was in the process of setting up an iva, then when it was approved, gave them my reference number. They put a hold on the calls got 40 days and have been very good at not hassling me - maybe depends who your creditors are though

It moves pretty fast once the paper works in. Mine took four weeks from the initial ienquiry to iva being accepted

I thought that anything over £500 had to bide by the 50/50 rule regardless of whether it is a gift or not?

Life is ticking along and whilst at the moment, there's nothing much spare, we've at least got enough to pay the bills and eat. My ex, who doesn't pay maintainence, sees my youngest son and despite pleas of not being able to afford maintainence, has just taken him to a Chelsea football match, brough...

McCambridge Duffy are brilliant - I'm only just at the beginning of my iva but they made the process so stress free! You'll be fine with them I'm sure

I hope it gets easier! I'm only a month into mine and after unexpected cambelt repair and double council tax all my budget has gone to pot! Now facing 19 yr old sons bday on Sat and he's got to wait until payday! Still, I'm amazed at how little I can actually manage on and next month will be better....

.....ie not a windfall or overtime, just money given for house repairs, clothes etc or to put in savings account? Is there a limit as to how much this can be? My ex MIL has paid for a holiday for us for several years now and helped out with car repairs, school trips for my sons etc.....what is the m...