cheers,
leaving work now so will place a new thread with new name etc later

thanks once again

thanks again, have contacted IP about pension and says that the lump sum should be ok but the monthly income from it may be included in the review if I go ahead with it now.
Yes the name was provided by return of email by the forum, will choose another anyway soon

ok thanks for the input from everyone, not used your services before so hope this is the correct way to respond, very busy within the hospital so taken a while to reply, I would like to keep the thread going for a while but need to change email addresses to my home one soon, it looks as though from ...

HI, I have been contacted by consumeraction.org.uk saying thet I was not avised correctly by another company to proceed with an IVA of which our 1st year has been completed this month without issues, they suggest I should by following a voluntary Bankruptcy for a sum of £1450 instead. I am concerne...