Agree - people should search carefully before doing anything.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
When they wrote to you initially about the IVA their letter should have contained an explanation as to why IVA was the preferred route when compared to other options.
In BKY you would only have had to pay income contributions for 3 years, if at all, depending on affordability.
