I thought I was being attacked by poltergeist. I have been watching too many X Files episodes! Was so glad to discover it was an earthquake this morning.

Thanks for the advice and very quick replies! I do realise I will get phonecalls and theres nothing I can do to stop them, I have told my mam in advance and she's pretty cool with it. She has said I should have got an IVA years ago, and shes right! I haven't told her about the possibility of her cre...

Hello to all of you, After reading through all of the topics and posts I have found much to feel better about regarding my IVA. I applied for my IVA with Freeman Jones (they are very good so far) about 2 weeks ago and am now waiting for my meeting date after having signed paperwork and sent off the ...