thanks, i'll let you know xx

Thanks, can you tell me what I should be aware of when deciding if I'm happy? My current DMP budget says I have £200 DI but we do stretch ourselves for that but I have increased my work so it may feel easier soon. How leanient are they on deciding yr DI. I was told by CCCS that I was only allowed to...

I have a DMP with CCCS. I chose them after being recommended by someone who'd been with them. All of my creditors have frozen interest and charges and about half have sold to debt collectors but I've actually found the debt collector companies easier and more understanding than the creditors. Hope t...

we were in a similar position and just had to take the financially painful option of them retaking the timeshare. We owed 2 years maintenance and couldnt sell it so just had to give in, is this not an option?

Thanks everyone, its great to get advice from people in the know and also to be able to talk to someone. It's not something you want to be chatting to yr friends about but bottling it up is hard. We've been referred to Grant something by CCCS so will see what they say and then maybe speak to some ot...

thanks disposable income is £200 per month but debts are about £60k. thats what ive just done on my DMP review with CCCS. bANKRUPTCY WOULD AFFECT US COZ HUBBY IS SELF EMPLOYED. Whoops caps lock!!

no i posted it after yr reply

Im on a DMP but have been advised to do an IVA. I'm worried coz my hubby is self employed and I dont want to risk my home. Did the calculator thing on here and it said my disposable income was too low to support an IVA but I dont want to go bankrupt. Anyone else in similar position with advise, good...

ah thanks!

Ive just asked a question on the ask a question bit, how do i know when ive got a reply?