Thanks for your replies.

I had a debt management plan with DFH and they then referred me on to debt support centre (Gregory Mullarky) who did my IVA. I pay £165 a month which from memory gives them 26p in the £.

This is his only debt apart from about £8k he owes to his mum for his car.

I started my IVA in December and have been separated from my husband since March 2010, divorce will be final in two weeks. One of my creditors is Lloyd's £15k for a loan and £2.5k for an overdraft. These were in joint names and now I've entered this IVA I have had letters to my house for my ex deman...

Wow luluj that really is an inspiring thought! Thank you so much x

Thanks for your replies guys. Don't feel as guilty now!

To be honest I am really struggling with it all and I think gears tipped me over is that natwest have changed my select account to a basic. I pay for my child care by cheque and not sure how I'm going to pay them in the future...

Hi All I made my first payment on Christmas Eve. I just wondered if there are any of you out there that haven't told a soul about your IVA? The only people that I have spoken to about it is DSA. I have 2 young children, a boyfriend of 4 years and a soon to be ex husband. Just wondered if you'd been ...