Hello and thank you so much for the cyber support! Since I last posted I have been chasing them again as they have still not sent me anything they promised. Today they didn't even answer the phone so I am going to try Vanguard later today. I thought they'd be all over me as I've had a pay increase -...

Thank you Foggy - honestly, I didn't know that. The communication around Ebenegate is horrendous, as many others have pointed out. Thank you for all the contact details as well, at least it gives me some route to follow as I was feeling extremely lost! Having to get an IVA was not ideal and is somet...

Long time reader, first time poster - hello all! I guess I'm after a bit of reassurance and perhaps some advice. Quick summary: I started my IVA in Jan 2020 with Vanguard, after a good few years of debt stress mainly from a tough divorce that left me shouldering a lot of debts just to break free. Ev...