A couple of months ago I reached a very dark place and didnt know which way to turn. I asked a question on this forum and had several replies and lots of support. It really helped me at the time to focus on the way out of my darkness. Today after several anxious days, adjournments and in some cases ...

Yes thank you Kallis3 I feel a lot better now. Everything is so daunting at the moment and it just escalates so quickly from that first phone call, I really appreciate the time everyone has taken with me over the week and I can honestly say when I woke up this morning this wasnt the first thing that...

Thank you size5, this has been quite an experience for me this last week and since my paperwork has been collected I have not been able to speak with my contact as she is away until the 6th June and I have lots of things going round in my head at the moment. You should be able to answer this questio...

yes I did read some good reviews on Cleardebt, thats why I decided to go with them, I do feel they will help me I'm just not comfortable with the girl I've been speaking with. I did speak to another company who wanted 2 months money in advance but was adviced by Cleardebt that no money should be cha...

I'm going with ClearDebt

Thank you for the replies, I havent actually spoke to an IP yet I'm not at that stage, i've just been talking to one of the support staff I suppose, I dont feel comfortable with her but I have to see what the IP says, I understand that once the paperwork has been checked I should get to speak to him...

I have just sent all my paperwork for assessment and one of the documents was proof of income for myself and my husband. Even though the debt is nothing to do with my husband. Why do they need this information and will they want to know his income aswell as mine for the next 5 years. He is not happy...

Hi I'm okay I have done some research and the same name kept getting good reviews so I have chosen a company who I think will look after me, its hard to know at this stage. This morning they collected all the paperwork so the ball is now rolling, I am trying to keep positive but dying inside. I know...

Thank you all, my head is spinning at the moment. I think i know where I am going now. Its nice to know there are other people out there I felt so on my own. Its not something you can discuss with someone who hasnt been there so thank you.

I have been speaking to two companies regarding debts of £62,500 which has accumulated because I gave personal guarantees on 2 overdrafts which Natwest have called in and are now threatening to put a charge over my house. The first company gave me 2 options an IVA and a DMP. One wanted a fee up fro...

If someone takes a County Court Judgement against you without your knowledge and you still have other debts, can you take out an IVA

If I enter in to a IVA would it effect anyone body elses credit rating in my household.