They started taking money out of my check back in july. Now i want it to stop what can i do? Can consolidation help?

I originally received a £3k bonus in April this year and I spent £1.5k of this bonus back in May as I had to move out of the rented accommodation I was in and I purchased some furniture etc for my new flat. The remaining money was to be paid over to the IVA administrator however due to my vehicle having to be scraped in October because it needed a new the engine I purchased a replacement automobile for £1.1k will this be acceptable to the creditors ?? I have the remaining £400 to be paid over. I have no more money i can pay over. i pay £500 per month into the IVA and have never been late or missed a payment.

i have about $6,000.00 in separate credit cards and was wondering if it would just be cheaper to get a consolidation loan and get rid of the cards so that i dont use them again! and also can i really get a consolidation loan if i have a lot of money due in back medical bills and got behind on some of my bills so my credit isnt all that great? thank you so much for your help

In early 2006, I signed up with a company to consolidate my credit card debt. The full amount was around $12,000, and that is spread out over six cards. \n\nThis year I started making a good bit more money, so, in May, I called the debt management company and asked if they had take an EXTRA payment from me that month, as soon as possible, in order to knock off most of the debt on two credit cards. \n\nI thought I was clear and repetitive, but somehow they managed to ONLY pay those two cards that month of Might and none of the others. \n\nNow Bank of America has told me that this has been negatively reported to the credit agency. \n\nThe debt management company, who made the error, is telling me, in so many words, that it\’s my fault and that there is nothing they can do. They tell me to call Bank of America, while Bank of America just shrugs and says, \”We just report what comes in and what doesn\’t.\” \n\nI asked for a call back from a supervisor at the debt management company, but there\’s been none since I started asking last week. \n\nI threatened to sue them, and they told me, in so many words, that that is not an option. \n\nCan someone make a mistake that injures your credit rating and not be held accountable? I never missed a payment until now.