Hi. I havent posted for a while as my IVA completed in 2010 (yay) but a short while ago a company called me about ppi and I stupidly told them about a cc I've had for years. My problem is that I totally forgot to include them in my iva so they were just paid the minimal amount by me. Now they haven'...

thanks you I just thought that everyone should know what a fab place this is and how much it helps everyone who is proberly having a bad time.. I think I stumbled on this site late 2006 and have been a regular reader supporter ever since. Thank everyone for your support and I shall continue to post ...

This isn't a question rather a compliment. When I first started my IVA I was 21 pregnant with twins constantly worried about reviews, debts and how I was going to cope the whole 5 years! Soon after having the girls I found this site and how I wish I had found it earlier! It has been a great source o...

Hi I think I have added you as a FF but not sure how it works talking through that :-s
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Hi I think I have added you as a FF but not sure how it works talking through that :-s
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Thank you Nepensioner, thats really reassuring. Well I spoke to them this morning and they said they wanted the invoices for April 2009 - the present day, which I have asked my old nursery provider for. But now I'm thinking what if they havent paid me right for the whole time?! I'm getting more worr...

Oh right. Its fine with me I have nothing to hide I just think that they could word their letters a bit better as I got really worried about forgetting.
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Thanks Skippy. I know when I rang them they asked me wwho my mobile phone provider was as they check credit reference agencies now for Data Protection apparently.
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Yeah they are! The number on the letter is permenantly engaged even at wknds when they say they are closed! They said that have stopped paying the Childcare element but I wont find out about the overpayment til next year whenh they do the renewal.
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Yes thank you ever so much. It's just the way that they have worded it that makes me think that I am in a load of trouble. I had so much going on in the summer with the girls starting school and they had their tonsils out as well which needed to be sorted that my Tax Credit completely slipped my min...

hi thanks. I called the standard tax credits number again and told them I wanted them to change it and hopefully they have and they will just collect the overpayment which is what i wanted. Its just this letter really sent me into a panic!

hi agin i dont know if anyonw can help but i received a letter today from child tax credits asking if my childcare cost were right. My girls stopped going to nursery in July so I stopped paying then but totally forgot what with one thing and another and now I am worried that I am going to get into r...

thanks everyone I shall look around x

Hi I dont know if anyone can help but I am wondering if anyone knows of any home work that I can do. I work part time and have 2 young daughters and just want some extra cash? Most places are asking for money upfront which is a bit odd. Any help of suggestions where I could go would be great. Thanks x

Hi. I have taken out IVA insurance with someone that came recommended on this site. I was going through something like this (I was at risk of being made redundant) I found thatit gave me so much peace of mind knowing that in times like these I would be covered. I luckily didnt have to claim and now ...