Saturday now consists of a shopping trip to Aldi, Lidli and Asda. I am one of the lucky few that don't like Heinz baked beans. Give me the cheap ones any day. Only problem I have at the moment is that the last time I was in Asda I brought two pairs of knickers. Everytime I look at them I can't help ...

If, when you receive the claim, you complete the admission form, not the defence form and you fill the form in fully so that it shows you can afford £100.00 a week and send it back to the court (not the creditor as it says on the form) and your creditor agrees with your offer of payment then you wil...

Barclays and Barclaycard have been a nightmare ever since my IVA was agreed Hayley so I can sympathise. Like you I was receiving between ten and twenty phone calls from Barclaycard every day. They would phone me on my mobile and leave voice messages that I would have to pay to listen to so I could d...

I am afraid you did read it right. The court will not make an order for you to pay by instalments if it knows you can't meet them, that wouldn't help you or your creditors. If your creditors had a judgment they could issue a warrant and bailiffs may call. You can apply to suspend the warrant and mak...

If your creditor doesnt accept your offer then a determination will be made by court staff. For them to do this properly you need to ensure that you fill in the expenditure section in full. They will then send you a determination judgment stating how much you will need to pay your creditor. If you f...

Thanks Jan. I just felt that once the IVA was in place everything would be settled and I am disappointed that it is not. I know I shouldnt contact them and I have been advised by my IP not too (she must think I am a nighmare) but when I get the letters I panic. Used to sorting things out for myself ...

Well Barclays have stopped phoing. Instead they have passed it on to Mercers who appear to have started phoning! Today I received a letter from Mercers saying they are sending round a debt collector and that they have been phoing me and cant get hold of me. I have been on leave all week so they must...