Hi and welcome to the club !! There are a lot of us in a similar situation praying that the interest rates dont go up. It is inevitable that they will at some point of course and we will all be in the same boat.I suspect that our IP's will have to look at the situation when it happens and I hope tha...

I had been ovepaid too and as it was our last claim with them I made an arrangement to pay them what I could afford a month which was £3. Dont worry there is always a solution they cant get blood out of a stone can they.Contact them and tell them of your situation and come to and amicable agreement ...

In my first year I was allowed to keep a backdated payrise (which I was very suprised about)also holiday pay for days that I hadnt taken in the year I was allowed to keep (again suprised and pleased). Of course I assumed that this would be okay again this year but I had an email from Payplan to say ...

thanks for bringing this up I was mad as hell last week with Payplan for as you put it 'changing the goalpost'.One thing we need in an IVA is surety and security, to know that they can change their mind about how things are done is a frightening thought and very unfair.Not only is it affecting payri...

I think you and I are in the same boat[V] we are about the same way into the IVA and we are finding it a bit harder at the moment, I think after the initial relief reality has set in and we are realising the enormity of what we have done. I have good days and bad some where I really beat myself up f...

Hi Dawn, Welcome to the forum and well done for making the decision to sort your finances out. There are lots of helpful people on the forum and we have all been through the same things, its great to know you are not alone. I opened my new account with Lloyds TSB and as I went into the branch it was...

Sorry to hear about your mum and your recent woes, I was in a similiar position my mum was in a nursing home in the North East and I was in Milton Keynes,it was a very stressful time so I feel for you. I used to get the National Express bus up it was much cheaper than petrol and I would try and go o...

Thanks everyone for your comments, I appreciate we are all different its hard to explain how I feel really,it sort of adds to the failure of being in an IVA if that makes any sense. I have decided not to take Payplans offer as it only makes the next few months difficult we will have to come up with ...

This wedding will be by no mean a "big do" I dont believe in wasting money like that I dont need to impress anyone with my generosity, they will be funding most of this themselves, we will make our own invitations and favours and cake and probably flowers. As her parents we would have LIKED to be ab...

I have just had a reply from Payplan, they cant allow me a payment break as this would be classed as a luxury but they would let me pay a token payment in November and then pay it back before my annual review. Not sure what to do, I dont want to make things more difficult each month but at the same ...

I have approached payplan to ask if we can take a payment break for one month, my daugther is getting married and I feel such a failure for being unable to help her, one month isn't much but at least it would be something. I am waiting for payplan to come back to me......... What should be a happy t...

Louise, Step away from the biscuit tin !! LOL [:D] We have all gone through the feelings you are experiencing at the moment it's a difficult time.There is so much too take in,so much information to digest, but feel free to ask as many questions as you need to to settle your mind. You will be fine an...

GLad to see you have been working hard.... I tootle around the site but dont always comment but I'm always interested to see how other people are getting on.

Luke I wondered where you were, hope you are ok.

Karen xx[:)]

What an awful start for you I am glad that your daughter has you to turn to. You must have a look around and get all the help that you need also inform your IP and see what they can advise. Well done for sticking to your budget and having some left over. Wishing your daughter a speedy recovery. Kare...

Hi Paul, Ha ha thats wishful thinking (34 to go!!) In answer to your question yes things are tight I'm trying to be inventive in new ways of saving money !!! everything seems to have increased just after I had my annual review too DOH !! I'm managing (just) at the moment but praying the interest rat...