thanks for that just a computer novice!learning by mistakes

Hi like all the other comments do not make any more payments you are just wasting money you do not have, regards the phone calls you will get it may be worth having caller display on your phone , any number you dont recognise dont answer best of luck

i am 16 months into an iva due to a change in work practice i am struggling to keep up my payments i have wrote to my ip but have received no reply (2 weeks ago)as i have no assets would it be wise to go bankrupt. Also i am a civil servant would this mean i may lose my job