Well........I was accepted!!!!!!!!!! I cannot tell you all the relief I am feeling.....no adjustments that will affect me. £300.28 for 60 months. Light at the end of the tunnel at last. My payments start on 5th December.....thankyou so much for all of your kind words and support. I have felt so alon...

Well in around 3 hours time I will find out if my IVA is accepted or not and I am so nervous. I have been up since 6am.......

Don't know what to do if get refused.....feel sick...

Hello Guys Well Payplan have now arranged my creditors meeting for next week and I have managed to get time away from work in order to take the phone call advising me of the outcome of the meeting and I am SO SCARED!!!! I owe approx 40k across 7 credit cards and all of my debt is unsecure, Payplan h...

I did read about Bankruptcy but at some point in the future I would like to buy my own house, not yet of course and certainly not until the IVA is finished, if it gets approved and then of course I would need to save for a deposit. I am also not really happy about telling my employers about my situa...

Hello Guys I have just applied today for an IVA with Payplan. The official paperwork is now being put together by them to offer my proposal to my creditors...I am so worried. A little about me..... I am 38 years old, divorced, no children and living in rented property, the rental agreement is in bot...