Had a phone call today, they have offered that I pay off the missed debt payment in nine installments, this brings my release date back a month to Otober this year and not November. Very happy, this is the first time I have actualy spoken on the phone with them. Great 9 to go

Thanks Melanie, you know what it is like, I am a very private person and to have to open my soul every three months has been very hard. Still 10 soul openings to go and im done. Going to make a chufty chart and tick off the months before I can start living again. I must say though despite all that h...

Thanks for the kind words, actuly recieved an apologetic reply in yesterdays mail, because I missed a payment I now have 10 to go, OK I can live with that. Problem now is they think I have failed to declare a wage increase of £100 per month and are demanding I settle 50% of the over pay immidiatly, ...

Andy, you are lucky. If I ran my company like my Supervisors company we would all be out of a job. I have still recieved no information from them and bet I wont get anything until my 3 month review. When I first started I had a great lady looking after me and she told me it was all new and I was one...

Andy, Melanie & Dave Hi and thanks, the payments starting in August were made as part of the IVA contribution, but the confusion was the creditors meeting was not untill the December by which time I had made 5 payments. I had payed £500 to a third party as a kind of introduction to see if I was elig...

A little shocked, even though I have been paying from the point of initial contact which was August. Jan 09 seem so far away :( I have been putting off pay increases all these years and was hoping to actualy have one this year. Anyway great advice I will reccomend you to anyone I know who has or is ...

Hi, I entered into an IVA almost 5 years ago, I pay £305 per month and it has been very difficult, but now I see light at the end of the tunnel. I was wondering if my Supervising company have been doing things right. I have had to send proof of earnings every 3 months in the form of pay statements a...