Thanks loads for the advice, I did suspect it was all nonsense and was amazed how much the letter shook me up, I used to take really nasty letters in my stride years ago along with phone calls etc but I guess it shows how I have stopped living on edge all the time.
I didn't realise how badly this all used to affect me until I got this letter out of the blue and all the old scared, on edge, stomach churning permanently feelings came rushing back. I hadn't realised these feelings were gone until they came back if that makes sense.
I hope this gives hope to people out there who feel it is never ending, I used to feel like that, got into problems years ago, had a debt repayment plan in 2003, realised couldn't afford it and in 2004 went into an IVA, not lightly, I remember crying being surrounded by all the paperwork one morning on my own being so scared and overwhelmed by it all and wondering whether to sign.
I now feel it is the best thing I ever did because to not have all that hanging over you anymore is fantastic and a feeling I never thought I would have.
If I ever find myself in difficulty again I will definately seek advice instead of burying head in sand and getting so far in again
So there is light at the end of the tunnel honestly the relief when its all over is amazing.
Also i hate the stigma attached to iva's and debt problems, surely it is taking responsibility for the problem you find yourself in. Also people assume you have been totally stupid and have a wardrobe full of diamond shoes etc, they don't realise that debts can get out of control through circumstances such as illness, redundancy, unexpected pregnancy etc and day to day bills become unaffordable.
Anyway enough from me, thanks so much for taking the time to reply
