Oh no! I'd hate to have to get rid of our caravan, it would really upset the kids, especially the little one. Thanks for advice about DMP but don't think that will be the way forward for us, especially if interest doesn't stop, we might end up in a worse position that we are now!. Can someone also t...

Thanks for all your answers they have really helped. I think I will be giving someone a call this week but before I do can you tell me whether we will be made to sell our car and caravan. Car is worth around £12k and van around £6k. They aren't on finance and were purchased with inheritence money. W...

Thanks for your replies. Can you tell me whether they take child benefit, tax credits and pension payments into account when working out your incomings?

Hi everyone After years of struggling with debt we've finally reached the end of the road. Have been reading these boards and am seriously considering an IVA but am too embarassed to speak to anyone about it as I will just cry [:(]. Can anyone tell me how they decide how much you have to pay each mo...