Hi Andrew, This is the first time i have responded to any posts on here, i am a new user but i have to tell you what i know about these companies that use the "loophole". There are talking about the challenging of legally unenforceable debts. and they could be right! before a certain date there was ...

1)If you are in an IVA agreement what happens if your circumstances change for the better? I have 32K debt and (if accepted) my IVA will put between £350 - £400 towards my debt. eg 21k. Now I work in Sales and the reason i am having to consider this route is that my commission has been very badly af...