Hi Ian ....any joy with my variation problem?

your post really made me feel sad dd9, why do you not want your husband to know? better or worse, richer or poorer,remember your vows? I don't believe in the crap love conquer all, but i'm sure he will be mortified to think you are going through this nightmare all alone kindest thoughts to you xxx

hey i followed your idea yesterday, bought a scratchie and won £1,first time I've ever bought one,haven't cashed it in yet, still deciding what to spend it on...don't worry,I won;t let it change my life !! Do you think the'll think me tight if I ask for the money off it ??

I agree with both your comments and I am not a person to complain unnecessarily, working in customer service myself, god knows there are people who will complain about nout! in our situation we are living a nightmare and our IVA could fail because of debt Matters inability to communicate with us, so...

I can't help but wonder if you were being treat with the same incompetency as we are,by the "bigger firm " you would be of the same mind set as a few of us disgruntled customers, I am a consumer paying for a service that quite frankily i am not getting,and as mel pointed out , its disgusting that an...

ha ha ha ha chris g you made me laugh .you should write a book, you're funny!! vais r vee the £65 shopping , make a menu for the week and shop for that its so much easier, i only have a £90 weekily housekeeping budget and with 2 adults, 2 nearly adults and 2 cats it doesn't go far....and if we decid...

wish we had looked into it deeper before we committed to debt matters , they are crap, I would look at Ian Millington or mel giles on here, they seem on the ball and fair....after all 5k for 5 years work is not much if you break it down over each year.

so its not just me that thinks debt matters are useless....everyone else on here seems to get information updates ,we've had no reviews or annual reports, you shoyuld see the state of the variation report they have sent out to the creditors,all the info is wrong and by no meamns are they fighting ou...

hi everyone, we have never had a yearly report so have no idea,as i said previous we have not even had to do an annual review. we are paying 26p in the £, with a 4th year equity release of £8,700.we are with debt matters,and 28 months in

hmmmm...thought as much !

can you forum guys answer a question for me and mr oldcazza,at what point in the IVA do our creditors receive any monies we're 28 months in and have paid 5.5k, will they have got any yet?

i still love spending, i have my pot money as I call it....not the smokin type!!!i trawl the charity shops once a week for bits and pieces, since no more credit cards to do our new house up with ,I've found some great stuff ,its amazing what good stuff people give to charity shops,new curtains and b...

lets all be honest though, prior to it all comin crashing down ,i loved spending money ,stick it on a card ,do you not miss the ease of credit and its trappings, I know we were reckless 61k later, but it was a blast!!albeit we're paying the penalty now,I do worry about life after IVA,will I slip bac...

i do agree,you do look at things differently,even going for a coffee is a treat now whereas prior to life in an IVA,£3.40 for a starbucks mocha latte wasn't such a big deal,now my mind thinks I could make a family meal for that amount, thank goodness for my kind mum !!!!

morning all... a quick update on my variation meeting that is due to take place on 25 th feb, it has to go ahead as when they issue a breach , which I will add we never received,they have to follow a procedure, so still gotta wait for the creditors to accept the variation, Ian ...I thank you for the...