When I was facing massive payments for credit card bills etc, I found this forum to be a literal life saver! The forum was the one place I could be honest about the mess I'd got myself into and what was even better was that noone judged me. All my posts were met with support, advise and people's own...

Hi, I'm with Payplan...a large company so I guess I'm a sausage too. I've found Paypaln to be really friendly and helpful. When I started and felt stupid for getting in this mess I was never judged by them. The advisor I spoke to just got on with helping me. They arranged to 'phone me at my convenie...

I'm 14 months into my IVA and like you all have found budgeting a hard lesson to learn. I have a "rainy day" fund that I try and save for things like car tax and service etc. I've found nothing quite beats the feeling of putting the £20 - £30 I manage to save into my own account each month. Like som...

Hi, Am really glad to hear your news!! I am 9 payments into my IVA and it has changed my life! No more living beyond my means...no more worrying about how I'm going to pay everyone back each month. It has really changed my life...OMG! I sound like a convert....But it has changed me and my values. I ...

Hi, I can only agree with all that's been said here. If you let creditors know, they seem to back off. My IVA was approved in December. Since having it approved, I have received one letter from a creditor which was "threatening". When I contacted them to say IVA had been approved, they backed off ri...

Hi ML,

I can only echo what Lily says: this forum is something of a lifesaver.... everyone on here has been where you are now and understands without judging. It made a difference to me knowing I wasn't on my own.

Good luck.
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Hi Lily,
Just wanted to say I'm sorry all looks awful right now, but I know you are a brave person, so can only say to hang in there....you will get to a resolution soon

Love,
DMB42

Well done Baz!!!!

Good luck Neverending!!!!!

Hi, I went with Payplan and was impressed by their willingness to 'phone me in the evenings and weekends to help me resolve the situation. They gave me what I think was sound advice about allowing myself a "sensible" amount to live on, revising my figures to take this into account. When my IVA was a...

Fiona,

This is great news!!!! Congratulations and good luck for the future....it's all downhill from here...

DMB42

Andy,
Congratulations and good luck for the future.
DMB42

Fiona,
Great news. Congratulations!!!! And good luck!!!!!!
DMB42

Flashingblade, fantastic news...congratulatikons!!!
DMB42

Thanks for this Melanie.
No more hiding money in the house!!!
DMB 42