I checked on the insolvency registar and I'm not on there so guess it's not an IVA. Spectrum are a bunch of wasters. I've been thinking bout entering one now but won't my creditors be a bit peed off seeing iv only been paying them pittance for four years and laugh it off? Do you think they would ent...

thanks for the replies, going to my mums tomorrow to pick up my pack. Melanie my savings never happened went out the window like most things like I said I pretty much buried my head in the sand nothing but my own fault really. My main debt out of the 25k is 16K and the creditors for that phoned me n...

***spectrum*** Hi iv been in what I think is an IVA with spectrum for the last 4+ years. Don't know what made me do it but I googled spectrum the other night and got nothing but different forums all saying how bad they are and are just con artists. Iv not checked my paper work yet as its at my mums ...