thanks for that,just to bring you up to date.i have now spoken with the agency who are putting a 7 day freeze on things until they have heard from my IP.i do not appear to have recieved a copy of the agreement so i cannot tell whether or not said creditor is on it or not.i have sent word to my IP to...

i am now getting seriously concerned.my wife and i took out an IVA and the repayments started in the summer,and since then we had recieved letters from one of our creditors asking for payment .our IP told us to disregard them as it had been dealt with as part of the agreement.Today i recieved a lett...