Hi Everyone . Thank you for the invaluable advice . I have taken your advice and have refused to speak to the creditor .who in fact became very irate with me and said they were now going to take legal action . I also contacted the IVA company and they gave me the same advice . Feel a lot less stress...

<t>HI <br/> I have just been contacted by one of my creditors who were listed on my IVA application . They are asking me to arrange a payment plan with them . When I contacted my IVA company they told me all the paperwork was sent to this creditor at the same time as to my others,.It seems that they...