Thanks everyone, it's a HUGE relief to know that this is now behind me, I had modifications to my IVA refused at the variation, like keeping any overtime/bonuses and cutting the monthly payment in half, but I have managed to come through it thanks to the people and posts on this forum, I have discov...

I've just received my quarterly letter from GT, confirming that I've paid everything requested to date with regard to my IVA, I'm not owed any over payments and they have received everything requested to date. I'm finishing the IVA early due to not being able to afford the payments after my little o...

Angel Rainbow, any advice on relaxation techniques for labour, little one due in October, starting to think I'm going to need all the help I can get... My field of expertise is watches and jewellery, have been in the trade for 14 years now, from diamond setter, to sales, to stock control, so any que...

Now you've got me thinking Skippy, both my cat and dog are with esure, and it's not cheap, just been renewed, Cat (Stella) is £10.99 month, Dog (Lil) is £13.99 month, the only reason I went with them is the fact that it's upto £7k per illness, will have to check small print when I get home form work...

I'm sure this has been covered on here recently, even though they say it's a visa debit, the card number still registers as electron when payments are made, although I might be wrong, pregnancy hormones are playing up recently........

It's amazing the lovely new bits I've managed to get from ebay for my pending arrival at a fraction of the shop price.
I'd recommend ebay to anyone looking for baby bits, it has saved me a fortune and fitted in with my budgetting for my IVA.

When I finally accepted I had a problem with debt, the CAB put me in touch with CCCS, they were completely helpful from beginning to end, they explained about IVA's, BR and DMP's, they advised for an IVA but did say that if it wasn't accepted an DMP was available, I like northumbrian69 was conatcted...

Congratulations nikkit, I'm in the same position, welcoming week 19 this week, although I'm in year 3 of my IVA. I've managed to get my IVA to finish as my maternity starts, creditors are willing to take everything up until August as full and final payment, although this is only because I have put i...

Capital One didn't get back to GT, so paperwork will be based on original dividend for Cap One, GT are posting p/work out to me today, although I can't see what they were arguing over in the first place, but hey it's done now. IVA will finish on 1st August, my parents have agreed to help out with bu...

Just found out that the meeting has been adjorned until the 20th April, Capital One held most of the debt and now GT are chasing them to see if they agree to the reduced payments, the 3 that did vote have said that the IVA can finish on the 1st August but I have to continue with full payments includ...

Capital One are questioning the dividend they are going to get, my IP is still waiting to hear back from them still.... 3 creditors voted yes for IVA to finish in August and to take everything paid to that date as full and final, all 3 will not allow me to reduce payments or to go bankrupt, so I mus...

The variation meeting happened this morning, GT are trying to clarify some problems that Capital One have with the variation, creditors have agreed to take payments up until August as full and final, but no-one will agreeto the reduced payments, after a few tears I'm kinda accepting it now, although...

I've been with GT for the last 3 years and can honestly say I've had nothing but good service from them, I have never spoken to my IP but his team always help me when I have an issue and always know my case by my name. I have a variation meeting set for the 6th April, and I'm hoping they will fight ...

Just had 12 week scan, everything is going ok with bubs, which is a relief as I've been a bit worried lately as I've been a little stressed, only 11 days till the variation meeting now.....

Thanx Jan, I know that each case is looked at individually, just reading through the annual report, the only positive thing was that stated is that I'm completely up to date on payments and all extra funds that have been requested have been paid, other than that is reads quite matter of factly, I th...