yeah thank you for all your replies i have all the paperwork but it desnt make easy reading for someone who isnt that way inclined!

I just cant wait until its all paid off in 2 years. might have some of my wages to myself!

thanks for the replies i am happy with that im paying more off of what i owed to the 8 creditors. over my 5 years i will pay £49k ish in monthly payments. my total debt was £61,101. it was agreed id pay a dividend of 65p in the £. which is by my reckoning 40k ish does this mean 10k is charges?

no i still dont really understand it all!!!! if i did owe 11 creditors is it possible that some of them have never bothered claiming for thier share? if thats so my 65p in the £ will be a lot less like 12k less. what will happen to all this money will it go to the creditors who have claimed and give...

on todays letter there is only 8 claimants with a total of £43,452.21 but on the agreement there was 11 creditors owed £61,101.56

does this mean that the number of people i owed money to havent all claimed it?

65p in the £ is the dividend to unsecured creditors

erm ill have a look be 5 mins thanks

wheres all the IVA gurus when you need them!!!!!

I have had a decent pay rise every year and my payments havent gone up from what was first agreed that 3 years now.

angela i think we all have this feeling i myself was worried sick and felt very guilty think of it this way that you are facing up to your debts not running away from them at least you will attempt to pay your way. I dont feel guilty at all now and 3 years in i cant wait to have an extra lump sum ea...

Anyone???

i have recieved a letter today from my ip that says: I am pleased to advise that on 24th january 2008, I declared a dividend of 29 pence in the pound on all admitted unsecured non-preferential claims in your agreement. signed supervisor for ip. on the second page there is a list of dividends or comp...