Thanks for all your help and concerns. It is really a big help for me granting the burden I am carrying at the moment. I dont know what to do without you guys. I already made a big mess and I want to put things at the right order. I'll phone and write to them. Thank you very much indeed.

Thanks for the advice kerri. I would like to withdraw my application but silly question how will i do it and what will I reason out granting i have signed the engagement letter with them? Can I just put it in writing as to being formal or phone them. I do apologize for this.

Many thanks for that information. No other options has been offered to me. They are very positive that IVA is the right one for us. With regards to joint application they never raised that at all. Not a single information has been given to me that there is no such joint application. Well, tomorrow I...

Thanks for your reply Mel. We own a mortgage with a small equity at present. Can I just phone synergi and tell them I want out?

Thanks for all of your reply. They say it will take 4 - 6 weeks to finish the proposal. Am i in deep trouble? I already signed an engagement letter with them but I havent paid yet? Can I still withdram from them? What will I reason out? Please help.

Hello again! Yes we own a mortgage with only small equity as valuated. No secured loan under our names. 3 personal loans in joint names total of £29000. Credit cards under my name is about £12000 and £1100 overdraft and hers is 1500 + 400 pound store card. Our Ip is under SYNERGI. At the moment we a...

Hi there! I owe £50000 with my wife and in the stage of entering an IVA. I have read lots of topics within this forum and realy learned a lot. The tentative proposal set by my IP is around about 750 a month. Is it really the best solution available to me granting that amount? If not then can I withd...