Lulu, I asked for a reassessment in and I filled in the outgoings (the obliged increase of just under 10% fromn previous year ) of my account at that time which showed that I had nothing available to pay and that the IVA had left me in negative but the DFD adviser told me that they would still be us...

I have emailed you Judith - balance my catalogue is £180 - I had no balance at all in November 2013 and my scheduled end of IVA was Septembers _ I had no catalogue purchases at that time but I bought a Dyson Small vacuum hand held as I cannot manage a big cleaner due to weight (it's weight not mine!...

Thank you - I will keep her details - I've managed to get a full revaluation of my income and outgoings - but due to the catalogue - which I used since Sept 2013 ( after my original 5 years had ended ) as a breach of my Agreement [V]

I owe £80 on catalogue.. I did not take it out , I've had it since 1999 and when my IVA started I used it for Xmas and Electrical goods for my home - "this didn't involve me taking out credit"[:(] When I took my IVA out I told the first person I spoke to that I was living on a minimal amount of mone...

I Would be able to find £50 a month at a push *( I live a Spartan life) My IP (debt free direct) want my £148 a month. - I don't want to extend the time any longer - this is stopping me putting house in my children's name as I am 90% likely to develop MS and really need to sort my future care etc if...

To be honest due to ill heath I have £6,000 less a year income than the years before and it would may well cause me to have to rent my house out and live with family - this will not help my health. I have pointed out to them that suicide is the only cause of death with my condition as it's a neurolo...

Would I be better off with a DRO ? and what is a DRO lol

I also can only work 6 hours aday due to toilet - and so my income is down £3000 and I'm on 4/5 of this lesser salary - I sent payslips proving this and medical reports to prove I was telling the truth . Also the catalogue payment were on previous statements I'm submitted too and no-one advised that...

Thank you, I would love to apply for a fresh income and expenditure Form ( I am with DFD)and I had a letter stating that I am in breach of my Agreement due to having a catalogue - I didn't think this was a form of credit. I have had to take a lesser post due to my wheel chair and being doubly incont...

I HAVE JUST FINISHED 5 AND HALF YEARS STRUGGLING TO MEET MY IVA BUT I HAVE FINISHED !! I have been asked to pay a further year as my home cannot be re mortgaged due to my age and balance owing. I developed a spinal condition last year which left me in wheel chair and I cannot work longer than 6 hous...