Size 5, please note that assumptions were not made, it states bankruptcy "COULD" be a option and clearly states to look into every option


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be careful before entering any agreement, it sounds as if bankruptcy could be a better alternative for you, if you have no equity in your home, as with a iVA in final year if you then have equity you will have to give this to them, remember to get all the facts before signing anything, as there are ...

skippy please, if you read Melanies post and animals eyes above, then you will see there is a problem with some IVA companies, and all i was pointing out is not to make assumptions to people,

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im sorry if I affended with the captial letters Melanie,

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thanks, with regards to Micheal peoples reply about my credit file, well as you should now an IVA stays on a credit file for 5-6 also so there is no differance in going bankrupt as its the same thing on paper, you are still listed on the register and rightly so. please dont give out false info it ca...

yah

i`m not struggling, just surprised off how much money my IVA company have made, it seems a very dark business, but I`m sure the ones who are making dont mind, thanks for all the advice.

it certainly would, i think a bankruptcy is going to be the way i go, thanks for your answers anyway, please be careful of the advice you give though as I only knew about the income payment order from a friend who was told this and never got one at all, so if i would not have known this you would of...

thanks for the reply, your points are noted but you must agree that £7,000 to make a agreement is a hell of a lot of money, i cannot believe this happens,. just for the record in bankruptcy you dont always get a Income payment order as this is dictated from your income and expenditure, so telling me...

this seems like daylight robbery to me, so this is common, how much do IVA companies make then from each person?

do you think I`m better of going bankrupt?

Hi, I have been in a IVA for over 2 years and have recently received my statement only to my disgust that my original creditors have only received £287.00 from the IVA company, i have telephoned my IVA company and they have told me the rest the money paid in (about £7000 so far) is to cover there fe...

UK Debt scam The horrible world of debt. After working in the debt industry for 2 and half years it has come at quite a shock to what really goes on with so called charities and free debt help. Many people including myself would consider a charity to be just that, little did I know that most of them...

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