Thank you, at least I've taken my head out of the sand, its taken long enough to face upto it!!!!!

Hi All, I took youre advice and spoke to another company (payplan) as GW solutions wanted £980 upfront. Payplan were very helpfull but i cannot go for an iva unless its a joint one with my wife as she got 2 loans to help me out but i pay them back. They suggested a debt management plan for now. So i...

Thanks all, signing off for now, but i will definatly be back, thanks again

they approached me, i was just looking at iva websites entered my phone number and email address and was just expecting an email but got the call

no i dont think i have anything secured against the property, but need to check everything as i was only enquiring tonight and didn,t expect a call fron the GW advisor the be honest, so i wasn't ready with all the details of amounts etc

ps sorry about the spelling mistakes, its my laptop (honestly)

Thanks all, I will open a new account tommorow or could i pay into my wifes account? also would my wifes loan be partofmy iva as i pay it, we tok it out to pay off 1 of the creit cards

Thanks all for the welcome, the firm is called GW solutions, has anyone heard of them?

Hi all,I have just got off the phone from an IVA advisor, and i feel a massive sence of releaf already, hopefully the iva will be accepted and I can get back on track. Years of overspending have been my downfall, even though i have earnt decent money! The thought of not paying all of the interest on...