ok thanks, I beleive you all 100%,

Hi Skippy, yes I understand and agree partly with what your saying, im just sharing my experiance as I found the company I dealt with 1st class, I tend to find that this forum does encourage people into IVA`s when maybe they are not correct, from reading former posts over the years this is my opinio...

Hi Skippy, I can see how helpful this can be, but on the other side if someone is to give incorrect advice then that could lead someone the wrong way, which isnt good, I cannot see how you can say that the company that helped me are cowboys if you yourself are not even a insolvency professionals, se...

hi Kallis, thanks for reply, sorry I didnt know you didnt work in the industry, you must spend alot of time on this site as I have seen you post many times,infact its 35634 Posts, thats a lot of posts, do you give advice, as if you dont work in the industry tha could be quiet dangerous! as for my IP...

Well you work in the industry so you would know what is exceptable, where as the general public dont, my Iva company only gave me the very basic living costs so they could basically make my monthly fee higher, the official receiver even told me that so I have to beleive him, I did not exaggerate my ...

hI Skippy I didn get a IPA because I used a professional company to carry out my income and ex, there were lots of things not given to me by my IVA company which I was entitled to put down. the offical receiver told me that a income payment order was made up from 50% of the IVA payment because of th...

hi, i do understand your comment but to assume the company i used are totally wrong on all accounts is a little harsh, at the end of the day all debt companies out there make money from the public or they would not exsist, It really is a case of not everyone is suited to a IVA and not everyone is su...

hi Helen, Thanks for you reply and the others, I suppose its like anything in life you get good and bad, just one thing to Kallis, I think all debt companies are out to make money arent they?? I found the service I got 1st class and bankruptcy was correct for me, i was pushed into a IVA by the sales...

Hi all, Just wanted to pass my comments on this, I was in a IVA paying way to much when I was contacted by a company based in Bournemouth, I must say how helpful they were and saved me around £7,000, I did have to pay them a fee of £500 to complete work for me, but this is nothing to what I was givi...

Hi all, Just wanted to pass my comments on this, I was in a IVA paying way to much when I was contacted by a company based in Bournemouth, I must say how helpful they were and saved me around £7,000, I did have to pay them a fee of £500 to complete work for me, but this is nothing to what I was givi...