We are actually in an IVA and will be for 5 years

The original people who first quoted us was First Direct, they then passed uson to solicitors who are called Beesley & Company. To answer your question yes we are in arrears, one through no fault of ours through their delay from their bank to our bank, the second none payment was through myself and ...

when we first started the IVA we were quoted a sum of money which we agreed to, but when it came later on we were told that the creditors would not accept the money we were asked to pay, in there words laughed out of court, so we agreed to the sum they asked,then come the waiting period but no money...