Thank u I thought that too until the lady on the phone said she thought I could pay more :0(

Hi we will b coming up to 12 monthes in June Dfd have sent us a letter in march saying we need to send all info back so they can decide weather to put it up thing is we can badly afford what we are paying now and our circumstances have changed in January I rang and told them I had to give up my job ...

Hi thank u your compleatly right but he was so pushy got me questioning thank u again

Hi wonder if anyone can help in a 5 yr iva started June with DVD and had 3 calls from a guy called chris who is very pushy insisting we are with the wrong people and they can help us and DVD only work for the debaters and suggesting we go with them
Help [:(]

no food banks in blackpool area ah well thank you anyway

hi with dfd cant get hold of anyone have 2 small children and 20 to last 2 weeks i dont know what to do have been in iva 3 months and making payments to companys tried moving dd to begininng now dont have money for anything cant afford to pay bankruptcy what can i do

i know and your right wish i would of gone for bankrupcy from the start

all we are spending is food bills and petrol we dont go out or to the gym went and pawned what was worth anything turns out not a lot so after nappys and wipes hhave 20 pound to last 2 weeks not good

thank you that has been a massive help i think that will b are only option cant go on like this

thats the ones vanquis thank u all feel in worse place than beforew iva we dont spend anything apart from food are daughter is autisic so needs more stimulation i dont know what to do we cant afford to go bankrupt but iva is gonna kill us cant get hold of ip being trying for weeks must only have 2 p...

hi we have been in our iva 3 months and been a nightmare never missed a payment now we have no money and cant pay all bills also my husband started getting credit card applications through the post tempting but binned them feel very low at the moment [:(]

thanks lem and lesley its driving me crazy just trying to do whats best for everyone and so scared they will say no nram is a biggest debt so know they will say six yrs in i prey will know by may xx

hi all had a rubbish week got a new job as my daute gter has autism so need better hours so i am home more my iva date was ment to be on the 12th of april but now needs re draughting and because i will be on less money i will only be paying 15p to the pound of my debt so dont even know if they will ...

Do you know what nram have been like at the moment we have our date for our I v a on the 12th of April and they will have the majority vote

Have you had a date yet and how long was It before you got your first call after the letter went out glad its all going ok keep strong xx