I was well in the mire with credit cards and loans, zero interest cards only put off the inevitable. My case was well managed and once the agreement was made I had very little contact from creditors. I managed to clear my IVA in 2 years with the help of my redundancy payment. The only negative point was the delay in arranging my final creditors meeting, I was told it would take 3 months but eventually took 6 months, due to the redundancy money in my account I was unable to get any housing benefit and was just on JSA. The delay cost me the best part of £3,500 from my redundancy payment. The lesson could be learned by Payplan to prioritise those who are made redundant.