Who are you with? I was with stepchange and when I got my annual review notification just before the 5th anniversary last October, I replied to them (like a turnip) asking why they were reviewing it as it was almost over. Then I read it properly, they said they weren't doing a full review, they just...

Sorry meant to say temporarily closing it, I don't think it's shut for good just in a low point of demand.

Pretty sure I saw on HMRC socials that they are closing their self employment phone line, if you can't call them try a web chat or write in. You'd hope if they're not answering the phone that that frees up people to deal with any letters.

No am actual phone. Now I'm out the IVA I bought the phone outright, check me out all flash with the cash! No IVA payment and no council tax, got the phone and moving to a sim only deal next month once my contract is up.

I'm with Vodafone, I was able to upgrade in 2019 and again 2021, but they declined me my early upgrade in 2022 (they offered a Samsung yearly upgrade) so I'm not sure if they've changed their policy around IVAs. I have just bought a new handset and am going to swap to one of the rolling monthly comp...

As Breezy said, this was a mass variation. I'm only replying to put your mind at ease, I'm with StepChange and I got this email too. I haven't applied for any variations. They sent two earlier emails about the mass variation, then this final one yesterday.

My guess is 3) It depends on the bank ..... but, I am also guessing that this whole process is for account matching and verification so the sender knows (hopes) the money is going to the right person and that the money will still arrive at the desired account, whether business or personal. Being th...

Guess who is a dumbass here and didn't read the attachment.... It says its my final one... All they want is proof of my income. No bank statements and list of income and expenditure. Teaches me to be hasty and try to look at stuff whilst working.

Well... IVA fast approaching its 5th anniversary and final payment to go Jan 1st (Well 3rd with the bank hols) and today I got my annual review form! I replied and asked if it was correct as I had thought my next review now would be after the IVA ends. Seems like a pain the €©¥$ having to do the for...

I had a one month break with an unexpected vet bill, mine has 3 payments left to make (well on Tuesday it will be 2) over the last six months I would love just to pay it off in one lump sum but with it needing a f&f I have just accepted that I need to pay them off as they are due and look at the lig...

I havent been on any kind of comparison site. I do get regular monthly entries from the credit score companies because they try to offer you stuff, but these two were just random dates in July and not linked in. I suppose if anyone is pretending to be me on Wiliam Hill and the other site which I don...

Oh and following on from last month, now just 4 payments to go. I can almost see the light at the end of the tunnel!

Yesterday I took a proper look at my credit ratings, I do usually cast a quick eye each month, but I must have missed this one. In July, on two separate dates I had two betting sites check my credit. Certainly not me. Soft checks admittedly, but definitely something I will be having to keep an eye o...

I'm with stepchange, my first 3 reviews were done in 2wks ish, but the 4th one took about 4wks. Don't know if something had changed in their processes. It seemed such a long wait. Only the final one left now (I hope!) my reviews have always been November, but the last payment isn't til January. Hope...

My payment went today, just 5 left now - can count them off one one hand - never been so excited about a direct debit! Have to admit at this point I don't actually expect to be better off when the IVA ends because my gas and electricity tariff are fixed at the moment but when they finish who knows w...