Thank you all for your words of advice I spoke to Andy Davie this afternoon and he cleared my head a bit and I got back onto EDS and had a good long chat with them and have decided to stick with them. I think I was having a particularly bad day as it's the anniversary of my dad dying and was in a bi...

Thank you all for your kind words of support, I am so glad I have found this site!! What a great source of support! When I first spoke to someone at Norton Finance and he recommended the IVA he said I can get your payments down to £250 a mth and this will be for 5 yrs and now this has been passed on...

Hi Skintagain The debt is nothing to feel ashamed about, at lest you are doing something about it and not burying your head in the sand. Just like Becca, i have my creditors meeting soon - 3rd Dec and everyone on here is so supportive, friendly and helpful - at the end of the day we're all in the s...

I am currently going through the process of an IVA and am feeling anxious and scared that it won't be approved and it will go even more pear shaped than it already is!! I feel stupid and guilty for getting over 50k in debt and don't know what the hell I will do if it doesn't get approved. I spoke to...