I second what foggy says regarding hippo's post (lol). Good advice hippo and must have took you ages to write if your typing is anything like mine. I have an appointment next Thursday to meet someone regarding an IVA so I will let you all know how I got on especially you hippo.

Thanks everyone for words of wisdom could I ask people please to provide an opinion on my two options

1 stay in debt and live on very little for three years approx, ie loans paid off etc

2 enter an iva

Many Thanks

Wicksy

Pretty much the same situation I'm in foggy at present, I have no credit to use so practically have no money to buy ANYTHING at all. I have two loans, car and child maintenance that should all finish in 3 years time and cannot figure out do I struggle on for three years with nothing or bite the bull...

Im glad it was a positive decision for you Bol, but following info received I don't think it will be suitable for me to enter an iva after all. I have not missed any repayments on any of my credit and the thought of not getting a suitable mortgage fills me with fear!!!

Thanks for quick response broke of London

Hi all, after loads of advice and support regarding a previous post, I feel nearly ready to enter an iva. My only concern/issue is when my current mortgage deal ends. My question is will I get a new remortgage and if not will I lose my home.

This site is absolutely amazing, the advice and support initially received has been great, I would just like to thank everyone who replied to my post!!!!!

Thank you all for replying to my post, I genuinely mean it. The replies have meant a lot. At the minute I cannot bring myself to enter into an iva and feel sick and suicidal at the mess I find myself in. I just think I will have to struggle on and meet the minimum payments even though it leaves me a...

Once again thank you all for the messages of support. Does anyone know how my mobile phone, land line, sky tv,broadband etc will be affected should I enter into an iva, I have never missed payments so I suppose what I mean will they renew my contract when the year finishes on any contracts

Thank you all so much for the speedy replies, Cccs advised accordingly and forwarded my details to grant thorton so I thought they must be a reputable company, however some posts are not very favourable. Added to this they were supposed to contact me last Thursday and were unable to do so. I am so a...

I am looking some advice, I am £35,000 in debt and I am sinking fast. I contacted Cccs and they advised I enter into an iva. I am so confused and afraid to enter one. Can someone please advise I am so confused I can't think straight.