Hi Melanie
I think I remember them saying that last time actually.

Thanks for the help.

Sharon X

Hi All I cannot believe it. I have just received my post this morning to find I have another new debt (Iam in a IVA see above thread). I had absolutly no idea I had this debt as it was from a pub that I leased over 14 months ago. The debt is from a piece of line cleaning equipment I leased while in ...

Hi all. Thanks for the replies. I have just spoken to my bank (Yorkshire Bank) and they said that the dd will be refused as the cheque will not clear until Wednesday. But as I got to speak to the lady at my local bank she said she would refund all the charges that are applied automatically and I wou...

Hi Julie
I agree I cant believe my firm did this. I will go and give my bank a call now. But wont they ask if I want an overdraft?

Sharon X

Hi All I am leaving my job at the end of this month (Friday) to start a new job next week. My employer normally pays me by bacs on the 28th of every month, which is today. Well, I checked my account and it hasn't gone in! Anyway, I phoned the office and they said they will be paying me by cheque as ...

Hi All Just an update. Just heard back from IP and they are including this new debt in the IVA and so will be writing to the brewery regarding this tomorrow!! Phewwww!!!! That is a massive weight off my mind!! Thanks for everyones support on the forum, its good to know there is always someone to tal...

Hi All I have just completed the online application with the AA via moneysupermarket. I went with the pay monthly option and only had to pay a deposit of £28. Everything seems to of been accepted as I recieved a confirmation number and details of when my car insurance starts and ends. I think I will...

Hi I have just been reading this thread. I never realised car insurance companies do credit checks! I have just had my renewel through which is £560 a year. I did some quotes on the internet and I can get my insurance from other providers for £280 a year. I really want to change as this is a big sav...

Hi Mikey Its great that you have made that first step of admitting that you have a problem. Its just my opinion, but maybe if you speak to an advisor on Monday to at least get the ball rolling, then tell your wife. At least she will see that you have started to sort yourself out. I think she will be...

Thanks Phil

Maybe more than 2 glasses I think!!

Sharon X

Hi Phil

Thanks for the reply.
I think I am stressing about what will happen if it cant be included.

I will just have to try not to worry!!

Sharon. X

Hi All Just thought I would update you on the debt that wasn't included in my IVA. It seems to be taking Payplan a while to sort something out with my IP and as such I have now recieved a court demand from Derby County Court for the debt. I have spoken to Payplan this morning who have said they just...

Hi Ang
Thanks, I do feel better but still got a headache from stressing last night!

Sharon X

Hi Just thought I would let you know how I got on. Telephoned payplan today, and they said it should not be a problem to add the debt to my IVA I just need to send them the paperwork etc. Also they said if the creditor insist that it is a joint debt, it would not coause a problem with my IVA and the...

Thanks Melanie
I feel a little better now. I will get the ball rolling tomorrow with my IP.

I have felt so stressed tonight is was like going back to my pre IVA days. Hopefully everything will be OK.

Thanks for the help I really appreciate it.

Sharon X