Thanks for the tips. I'll speak to a few more companies who can hopefully help.

I currently have approximately £37,000 debt (bank loan and 5 credit cards). I was/am struggling to keep up with the minimum payments so contacted an IVA company who suggested the IVA route. I contacted all debtors to advise that I was entering an IVA and requested that I make token payments on all m...

Hi guys, This is all new to me so I'm hoping you might be able to point me in the right direction. At the moment I'm barely holding my head above water trying to meet the monthly payments on a loan and credit cards. I have made a couple of late payments (only by a day or 2) but not missed any so far...