I'm glad I've finally decided to do something about the issue, and this place has helped me a lot so far. I'm just starting out down the IVA route, fingers crossed it's going to help. Lee Welcome to the forum. You have found a fantastic website, I am so glad I found it when I did as it has been a co...

I've never got any advice, always thought I could manage it myself, took the attitude that I got myself into this mess, I should be able to get myself out of it, not the right thinking I've come to realise though. It was the last consolidation loan that's put the final nail in the coffin for me. So ...

Hi Paul, thanks, I went to IVA.com at 1am this morning, couldn't sleep ;-) Currently awaiting an assessment from ClearDebt. And yes it was a big step to realise there are other options, and I don't have to feel like a failure for not paying all my debts. Cheers Lee Welcome to the forum. You will fin...

Hi, Just wanted to say hello. I've finally realised I can't go on with the way things are and have to do something about my financial situation. The last 3 years have been extremely tough financially and I have tried to battle through it and keep paying all the bills etc but it's finally got to the ...