Hi Thanks Melanie and David for your posts. Melanie I am currently paying £100 a month towards to my DMP, so really not a lot but all I can realistically afford. In regards to why HB contacted me has never been a concern for myself as I received letters informing me about the change. The gentleman t...

Hi to everyone who has posted a comment on my question. I really appreciate your advice! In regards to your question Melanie - when I was pregnant with my first son I was being hounded by creditors to the point where I was seriously stressed. At that time I thought a DMP would take the pressure off ...

Hi Lesley, Thanks for your post! We currently have about £10,000 in equity in our property. But I'm not really sure how that effects the IVA and how much equity I have to have before they make me remortgage. As I wrote in my first post my partner would not be happy if we had to remortgage for my deb...

Hi I've recently been contacted by a company called Harrington Brooks about an IVA and they believe it is my best option. I owe around 28,000 in debt. I have been in a debt management plan since being pregnant in 2009 as it was really stressing me out. However looking at the IVA fills me with dread ...