Ohh right that makes me feel better - we are with Thomas Charles[:D]

Got one saying sorry we are having financial difficutiies and asking for IP details and case no - , though they will continue to contact till we have provided these details - I have to expect an escalation then from Egg of letters?[?]

Oh just great[V][V][V][V][V]

yes, why?

Ok have started IVA ball rolling - hassled by AM EX and sent a letter telling them we are in IVA ! Next letter is threatening us with solicitor and payment of £7000 within a week!![:(!] I tried to do the right thing by communicating and here we are with legal threats - what do we do? I have sent doc...

wow aguise I have read your blog and you must be our twins!! I took heart from that journey as its identical in so many ways - thank you![:)]

Well we have took the plunge with Thomas Charles - fab support and sense so far, though changing accounts and cancelling debits was scary today! We have never missed a payment and have half killed ourselves to stay afloat, so risking the wrath of creditors feels mental - necessary but very unsettlin...

We currently are considering taking an IVA to begin to clear debt accumulated over years due to ill health and redundancy. We have however a portable mortgage and are considering relocating nearer to family in case my health deteriorates to the extent that I need support, and to downsize our home to...