Well good news!! We have only just found out last week that they have decided to allow us to renogotiate our terms!! We feel so much better about this all but its been a long time coming- considering we requested this in July!!!!! But we are [:D][:D][:D]

Well I had to ring them again this afternoon. I was told they are working out the figures on a lower monthly payment of £600 (which is what we can afford to pay) they said we should hopefully hear back from them this afternoon or at the latest tomorrow! I dont want to build mu hopes up but it makes ...

Thinking of you Hillsy. Lots of hugs ((([:)]))) xxx

Am really annoyed they said they would get back to us this afternoon and they havent!! Am even worse now I wish they would just be a little more accomodating!

Thank you

Things looking very bad! Spoke to them again today and they need sometime to talk and are going to get back to me later on. I cant go on with this anymore am sat here looking at my little girl and just wanting all of this to end. How stupid were we to get ourselves in this trouble?

Are you in an IVA or a Trust Deed - as I thought that Invocas only practiced in Scotland? No it is an IVA. We originally proposed to pay the bonuses in at a lump sum but my husband asked if this could be changed and they agreed to £100 a month extra- which we have been paying when we havent missed ...

We only applied to the original one and since then we have been passed on to the others. We havent ever changed ourselves just been changed by the IP's themselves!

We were originally with someone called Mackenzie Goldberg Johnson ltd. Then we were with J Simon Westhead now this Invocas. I dont know but the lady on the phone said we have written you lots of letters about your problems- well we have had about 3 and they were all in reponse to letters we had sent...

No. Someone called Invocas- well thats who they said today, which was the first we had heard of it!

Mrs Skint- Yes this is £4000 for the 4 missed payments and £7000 from my husbands bonuses which should have been £2500 a year so it works out at £5000! I dont understand why they are coming up with £11k myself to be honest. I am totally confused by it all and need to see where we owe and what for. H...

We have spoken to our IP today and they have said they are preparing a letter to send to us stating that if we dont come up with the arrears on our account then they are going to put us forward for bankruptcy! We are in arrears of £11, 000 this includes 4 missed payments and also bonuses which my hu...

Hi, We have run into difficulties with our IVA and are now about 4 months in arrears with it. We are 2 years into it but had a baby after 1 year which is why we are now struggling with the payments. We agreed to pay 86p in the £1 back to our creditors when we started. I would now like to renegotiate...