I get so anxious worrying about debts - took an IVA out in September 16. My partner and I occasionally get a bonus of which we have to pay a percentage to credit fix but they are so bad at replying and getting back to you quickly about how much you have to pay. They cant seem to get mine and my partners basica salary right so they seem to ask for random amounts., Every time we call and ask for a call back it doesnt happen. Very frustrating as this is our lives. Im not even 100% certain we will be debt free after the 5 years and i am still getting chased by companies who dont seem to know about the IVA. Noone seems to understand my frustrations.