After 5 years in debt management and feeling like we were getting no where fast I feel like there is finally a light at the end of the tunnel [:)] I have hardly slept in the build up to the creditors meeting today, it was supposed to be a 3pm but was delayed and I finally got a call at 6.15pm to say...

Hi, does anyone know how the voting is worked out? Is it 75% of the creditors have to agree or is it 75% of the debt value have to agree? We have 1 large debt (£26k) with NRAM then another 6 small ones ranging from £350 - £8000 (it looks awful when it's written down and still makes me cringe seei...

Hi, We've had a DMP for the last 5 years with Payplan and I'm starting to get the feeling we were talked out of an IVA on purpose. I originally asked for one but were told we couldn't afford it. However they couldn't tell me how much it would cost. Our DMP is 18 years and the more I find out about a...

Hi everyone This is my first post [:)] I found this forum at about 2.30am when I couldn't sleep because of money. We've been doing a debt management plan for almost 5 years and it has another 15 years to go! I really want to see if we may be able to do an IVA. I wanted to do one in the first place b...