Thank you lesley, I have spoken to hubby and he said yes we need to sort something out. I am going to speak to them on friday as it is my day off and I can concentrate a bit more. I work evenings/nights and so am very shattered when I get up at 10am but I will make that effort on friday [;)]will let...

Thanks for the reply Lesley, it would probably take 10 years to pay back what we owe instead of the five. I also forgot to mention we found out just recently that we owe £4500 to the tax office for over payment of child tax credits [V][:(!] i phoned them up and said we are finding it hard at present...

me and my hubby have been in an IVA for 2 years. We pay just under £200 a month towards it. Our review is due at the end of this month and I am concerned that they will up it. I started a new job in april this year. Prior to this I was earning £620 a month and now earn about £900. Things have gone u...