Thank you for your replies. I have only ever spoken to office staff throughout the whole process of my IVA so I have now requested a telephone conversation with the IP. I am finding the stress of all this is adversly affecting my health now. I know the debt is my fault however i'm finding it difficu...

Only six months into my IVA and I am already struggling and things are only going to get worse. Problems with my car meant I needed to make a reduced payment for 1 month. My IVA company have now said that I need to repay this over the next6 months meaning an increase of £72 pounds per month. My orig...

I just wanted to say a big thank you to everyone on the forum for all your help and support over the last few weeks with regards to both my health and IVA issues. I'd like to say a big thanks to Phil for the link to OUCH UK - I am still busy reading through all the masses of information and in discu...

I had considered Co-op & Nationwide accounts before opening the thinkbanking account however sad as it sounds I opted for the Thinnk account because it keeps my bill money & my spending money seperate - over time I hope to improve my own money management but at the moment any help i can get the bett...

Hi I have only just opened a new account with Think Banking and the Card they sent me is a Mastercard Debit Card (which i think they said is their new card). I haven't tried to withdraw money today but haven't had any problem over the last 2 weeks. I do know when I phoned to activate the card they t...

Hi Phil Sorry for delay in my reply, i have not had access to the internet for a while. The Consultant has not yet formally given a diagnosis of Cluster headaches however he has said that he thinks that it is likely i am suffering them as a combination with various other types of headaches - its all...

Hi Phil I really hope that your creditors meeting works out for you. I had meningitis a the begining of 2009 and am still suffering with post meningitis complications which consit fo a combination of migraines, cluster headaches and tension headaches so I understand how difficult day to day life can...

Oh i nearly forgot to say a A GREAT BIG THANK YOU to all those who write fantastic blogs on the site - i have just been reading some and they have helped me feel much more positive about the choices i am making.

Thank you for your responses If interest was frozen and no ongoing fees where to be paid i could expect to repay my creditors in full in 9 years!!! When I look at it like this the IVA looks much more appropriate i suppose I am just worried about the long term affects on my credit rating and the abil...

I have just recieved my IVA proposal paperwork to sign and in principal i am happy with it, however I seem to be having last minute nerves.[:I] There have been a couple of posts on the forum re IVA vs DMP and I am now starting to wonder whether a DMP is a better option for me. My IVA firm did discus...

Hi all I'm new to the forum and am really glad to have found it. SO much usefull information on the site. I like many many others on the site have managed to run up around 40K unsecured debt and up until the last 2 months have managed to keep up the monthly minimum payments by robbing peter to pay p...