Hi, I completed my payments in nov 2012 and was told by Kingsgate everything would be concluded within 3 months. I then received a letter in jan to say it was being extended by another 3 moths but no longer and it would all be concluded on 8th may. I have called them this week and they have extended...

Thanks for your replies. I spoke to them in Jan about the pay and the said to sort it out at annual review. If they take the whole of the increase its going to be a tough year that's for sure. I worry every yr just so close to finishing i don't want to fail!

Hi, i have my final annual review next month. I now get paid 13 times a year and have had a good pay increase. However i know have to pay for my private fuel previously i didn't i worry myself sick about annual review Will i be ok?

I have changed jobs and previously had a fully expensed car. I don't now and have to pay personal miles. I also vet paid 13 times a year how Will this be dealt with.

Hi all had a call from Laura and all is resolved. Feel so much better thanks to you all and to Laura for calling me.

They say it was the 8th and therefore i am going over the 30 days by moving the payment. I did point out that they don't send the payment every month but he said the creditors would know and they would ask why. It would have been Easier to just miss a payment. I am with kingsgate.

I ended up speaking to a manager he was ok but said i needed proof. He said i could change the standing order and then send proof cos he didn't want me to then change the date in Feb or miss payments. Should i just stop worrying and pay at month end? He said the creditors know when i get paid?? I sp...

I am changing job and rang up today to change my payment date from the15th to the 31st. They were really rude to me. I am not missing a payment and once its changed i Will pay each month end. They don't send the money to the creditors each month. I wish i hadn't called them i was trying to plan ahea...

My parents have offered me some money to rectify my situation however they don't know about my IVA and for a full and final settlement I have to provide proof of the money being available from them. There is no way I can tell them about this and how it happened - any suggestions?

Hi, I have 2.5 years left can anyone suggest how I would get to calculate a reasonable settlement fee? Do i multiply my monthly payments?

So, just to clarify if I get my pay rise in March and my annual review is not until Nov do I advise this? I am told I can up to 10% more without having to up my payment so if my pay rise stays below this until Nov I will be ok? Sorry for silly questions just trying to get a clear pic in my head!!

Hi, I am due a pay rise in March and just wanted to know if they will take all of this or 50%, it may be a really silly question however its concerning me. They have said I can earn 10% without paying any extra so that would be ok as they work it out over the year. I guess anything over that I will ...