In which town

I would advise that you do not go anywhere near this! If you give £500 you will probably never see that or any other money again!! Is this person UK based as when searching his name nothing comes up! The bythost part of the email appears to be linked to the USA! Please do be careful

Hi! Out of interest which company are you with?

With all those payments made what will your dividend to creditors be at the end of yr IVA?? It's probably only likely payment will come to you if you have paid 100p plus fees etc! £1500 pm seems an awfully high payment to make each month!

Might reduce your debt by a considerable amount though and provide more options!! You never know

See the post made on the other thread spanna! The poster said that had they claimed prior to IVA then it would have wiped out 60% of their debt and wouldn't have required IVA!! Food for thought!!

So do I Niobe it truly is awful and that I do appreciate whole heartedly!! Spanna I am unsure of your circumstances but dependant on hw much ppi if any you received back may alter whether you enter an IVA or DMP! If I knew then what I know now I would hav def explored all options! That is only my op...

That's exactly my point Niobe!! Spanna may be better off claiming prior to commencement! I'm not saying its def right but might help circumstances!

Not necessarily Niobe!!!

Hi! If you have not signed any paperwork for the IVA as of yet would it be a feasible option to claim for any potential mis sold ppi on all your debts! If so it may either reduce your debt somewhat or even pay it completely depending on how much you owe! You may even be able to offer a full and fina...

Hi! Have you completed an IVA?

Hi! What do payplan mean by the mass variation? Sorry but I'm not too sure of what this means? We completed our IVA with them earlier this year and received our cc within 3 months!

Hi josu! We estimated what we spent on uniforms each year and divided it by 12! This enabled us to have a monthly allowance for uniforms and equated to £400 per anum! Having 3 children in senior school is an expensive commodity as we estimated it cost at least £150 per child to kit out! As you can s...

No Mel you are probably right! Creditors will not accept this argument! But it is these types of required expenditure which makes the debtor struggle and possibly fail! £20 per month rarely buys a decent reliable pair of shoes these days! Children above a certain age need adult size clothing which i...

Disgraceful! They would soon be contacting you if payments were not made!!!!