Sounds fab! This seems like such a nice Forum with really friendly people, I'm glad I've found it x

Thanks again for your comments and for putting my mind at rest,although I don't think I will fully rest untill 2015, lol! x

Hi, I'm a Race Equality Officer for a Primary Care Trust (NHS). I don't think my contract stated anything regarding agreements with creditors... I have no idea where my contract is and feel it may raise suspicion if I asked for a copy. I wouldn't imagine my HR department being as supportive as the p...

Thanks very much for your comments, it's nice to know that other people are in the same position (as selfish as that sounds! But hopefully you know what I mean)I'm glad I found this Forum... even if it did lead me to discovering the Insolency Register

Hi, can I just ask, is there any way a company can find out about your IVA if you don't discolse this to them (apart from the dreaded Insolvency List)? I'm worried now that my company may find out, I was planning on not telling anyone....can anybody advise please? Thanks x

Hi everyone, this is my first time posting, however, I've been reading this Forum for a while and I've found it immensely helpful [:)] After much deliberation and struggling I’ve finally come to the decision of applying for an IVA. The agency dealing with my case has been most helpful and supportive...