No. They said they will post the proposal with recorded deluvery first thing in the morning/
So I still don't know.....

Payplan said I dn't qualify for IVA.
Differnt company is just preparing my proposal for IVA (Mitchell Farrell)
What to do?
Can I still withdrawn from MF before the proposal is accepted?

Anyone recently dealt with DMP Payplan? How long it takes to arrange staff? Anyone dealt with CCCS? Did they manage to freeze interests on your debts? Who does agree to freeze interest and who doesn't (I mean creditors)? What is your experiance? Mine are with Barclays (70 %), MBNA, Santander, Next, ...

They've calculated it to be £580.55 however they've made a mistake us they've put less in my mobile phone and petrol column. So the surplus accually would be £450,55.
What happens if I work overtime?

Well I've tried contact the creditors. Barclays said NO to all of my offers and did offer anything back and I've sent them few letters. They even sendt so called Debt Collector from Scotcall to my house. I don't have any equity in the house either. Some others like CTI reduced monthly payments by £3...

I have just received information from Payplan that I can't be approved with IVA as we would be ble to replay our debts with DMP in minimum 3 years if the creditors decie to freeze the interest and stop charges. This is my current financial situaton: Income: 1. Mine £1100 2. Husband £1550 Total £1650...

I hope so Melanie. My 3rd payment is due in few days. ShalI wait until they will get back to me and change the company now?

Hi Melanie. My first payment was 280 including Iva 211 and the rest was their fees. The next one was 211 just to cover the iva if its approved.

Hi Melanie! I think they don't have the IP's otherwise the case would be sorted already. Everyone is on holidays there all the time and my case is being passed to different people. I don't want to wait any more but also don't want to lose those £500 I paid them. They didn't ask me also to do the val...

Hi Thank you for the quick replay. My morgage is with Barclays (woolwich) and some of my debts are with them as well (£20000). I'm wondering if this is going to help me with the approval of IVA? Your first post was very helpful. I'm dealing with Debt AdvisoryLine now. I have just find out that they ...

Hi Pennyless. Do you mind to tell me what did you write to NR regarding your repayments going to interest only??

Hi I have a IVA case in progress with Debt Advisory Line. Do you have any sugestions about this company? How do they work? How long it takes?

Hi I've got a quastion regarding the IVA. I have a mortgage of 162000, house worth 175000. Together with that we have a secured loan of 15500 paying 343 each month. My debts are 29000 (paying 700 on to of our mortgage and secured loan bills). Do I have to realise the equity from my mortgage even if ...