Great info foggy .Maybe the smoke will clear now hopefully !

Hi foggy .To be honest I dont really know who my ip is ! .It is not very clear .Im assuming it is still mr jackson although iv had no dealings with him in the entire length of the iva .

What happens when an iva company goes bust ? Where do we stand when we have maintained our payments as agreed ? Surley it is their legal obligation to sell on the iva ? I will keep you all posted

I am paying them to service this debt and recentley had my yearly statement hope things are not travelling south with this company !

I do hope nothing dodgy is going on here seems funny a few days after vanguards wind down getting these messages would be interested to hear off anyone with any similar problems !

I only worry where my money is going if they cant keep a good record of payments to date .All reviews done successfully and completely up to date .Looks like things are a bit amiss here .Im still legally in an iva with them so can only keep a record of what iv paid online .The scottish guy said he w...

Hi everyone 2 and a half years almost into my iva no glitches ! .Iv actually found ebenegate ok so far .Just recieved a text today saying id missed a payment ! Checking my online banking payment was made on time on 10th may .Just phoned ebenegate and after 10 mins spoke to a guy who checked my accou...

Its not easy being in an iva but its not the end of the world ! The journey is well worth the debt free stop overthinking get on with living im sure you will be fine x

Just remember it took years to get into this position probably longer than the iva .There is no overnight solution to rid this debt hang in there and think wisely before your next move im glad of my iva although embarrassed to having to be in one .Such is life there are a lot of worse things going o...

I understand what you are going through was in same position 2 years ago .I had taken 2 loans out stupidly the previous 3 months before mustering the strength to apply for an iva ! My proposal was succesfull as the only other option was bankruptcy .To which creditors would get nothing ! Its a worryi...

Thanks kallis its manageable it will keep them off my back lol cant be doing with going back to unrealistic payment demands and threats my life has become more peacefull so far in this iva .Thanks again always feel there is great advice on this awesome forum glad to feel there are genuine people the...

Just a quick update on the dwp overpayment issue I contacted them and advised of my situation .They have agreed to a small payment of 25.00 monthly for 52 months which will be six months after hopefull completion of the iva .I will have to fund this out of my i and e and iv decided to go down this r...

Will do kallis and thanks

Thanks think Il negotiate with them see what they can come up with maybe a small monthly payment but it would have to come from my allowances I guess they will want to see my expenditure .I really dont want it to fail as iv just been getting back on my feet !

Sometimes im thinking as hard as im trying to repay my debts id be a lot better off swallowing the bankruptcy pill at least it would all be over sooner .I have no assets an old car less than 1000 pounds and I rent my home .I could afford the bankruptcy payment Id just need help completing the applic...