Hello DK !! whose your energy Co ? EDF tried to put my monthly payment up, but their figures just didnt add up, so i challenged it and they kept my payment the same. they calculated based on last years usage and this years pricing how much my bills would be for the next 12 months. if I had increased...

thanks for your suggestions; i got quite a surprise when i rang my IVA co today. I have 9 payments left not 10 and they said that if i wanted a F&F offer, the meeting they need to call would take circa 12 weeks to convene; however if i wait until late March when I have only 6 payments left to make, ...

another question in relation to me making a F&F offer I have read an article suggesting that perhaps my F&F offer should be no of months of IVA left X montlhy payment , less supervisors monthly fee x months left ie my payments left are 10 x £540 less 10 months supervisors fees, as there will be no I...

Completely out of the blue, my best freind who has a successful business has offered to pay a lump sum directly to my IVA co to finish my IVA I pay £540 per month and have 10 payments left ie total £5400. Do I offer £5400 to pay it off or should i be offering less ? note however, my iva has no minim...

congratulations sam just wondered did you have a review in this your final year. My Iva finishes early next year but was extended by 2 months about 3 years ago and im wondering will i have one when i would expect it to be due and then one 2 months later when i make my last payment well done; i bet y...

stay in there littlefi in the early days I too found it very difficult some months; when i resorted to visiting the supermarket early evening to by the reduced food to freeze, or indeed for that evenings meal. I sometimes worried at what had become of me. i didnt allow myself to get down as I kept t...

well done greybabypink, im only a few months away also can you tell me did you have one or 2 reviews this year. my iva was extended by 2 months a few yesrs agao, so whilst it started in January, my last payment is in March. my review is always done in january so im wondering will i Have one in Jan &...