Over the years my husband and I had several debts, which we were managing as we were both working. Fast forward a couple of years.

We moved house, I found work but my husband could not. We struggled through and came to an arrangement regarding some of our debts. I then lost my job and we became reliant on Guaranteed Pension Credits as my husband was just before retirement age. But the debts began to pile up.

I woke one morning and decided to look into an IVA. I searched the internet and came across a debt help company. I filled a few details in and received a phone call some ten minutes after!! After talking for a while the advisor I spoke to was under the impression we could be much better off with an IVA.

I did all the correspondence over the phone. Even managed to do a signature with my mouse!!!! (after trying to do on my screen with my finger!!!!). I was then forwarded to a licenced IVA provider. They made the whole process painless and although some parts were slightly complicated, helped me through the expense forms etc. 

We came to an agreement of forty pounds a week, taken fortnightly on Pension Credit payment day. The process took a while, but in the end we now do not have to worry about answering the door or worried about bailiffs letters.

I have just began my second year of my IVA which just required me to tell if we had any changes in circumstances. 


I would recommend any persons looking into debt management to see if they can do an IVA which is just one payment, not fifteen!! I cannot thank those who helped me enough. Yes, it’s hard losing money out of your pension, but not as hard as having Bailiffs with their hard tactics, knocking on your door.