thanks andy my advisor says we are paying what the bank thinks we can afford so we paying what they want will the bank look at the situation we are in and think well there pay what we want to there debt lets help them get out of debt and will my advisor tell the banks that if you do freeze the intre...

we are on pay plan they dont charge you for there service if you struggle the bank gives you there number like yorkshire bank hsbc argos and banks like pay plan because of the free service i read a man on the forum had his intrest stop for 5 years and he was on pay plan areyou on dmp with a company ...

hi can anynone tell me if the greditors stop intrest on pay plan if how long i know that isnt legal binding my advicer told what i what pay amonth and it would take only 4 years to pay which we are happy with only if they stop intrest advicer says they are good with creditors with getting intrest fr...

thanks sonyse2t5

we are going for it

thanks foolish

no equity on property
we are thinking of doing pay plan hopefully this will work for us

any advice melanie

thanks foolish

hi all

we are going to start a play plan hopefully and i just want to know if anyone has being on pay plan before ive being told that creditors support the pay plan more than companies who charge for debt management just want some feed back please

thanks foolish

hi all can any help we was going throught a iva but due to much overtime in our wages it was risky if we ever lost the overtime so w3 debt solutions have told us the debt management is for us we want to pay £300 pound amonth out to our creditors we have argos 1500 hsbc 3000 hsbc 6000 yorkshire bank ...

can anyone explain please?

Hi there, We are currently in the process of going through a proposal for an IVA with W3 Debt Solutions. We have never missed any payments on our cards or loans until now and although we can't afford the full amount we have paid a bit so that we have not missed a payment. my oh has just had a call f...

andy, thats true at the moment we are taking money off our credit cards to pay bills which just seems silly to continue doing this.

Hi there i am new to this. I have took the step to go with W3 debt solutions for help. i have just (yesterday) sent off all the bank statement, pay slips, mortgage statements etc. I have missed no payments so far but it is now at the stage that the money is running low. W3 call handler advised me if...

if the creditors don't turn up and vote does this just get classed as a no or a yes????
we are indebted to HSBC, yorkshire bank, argos. W3 have said they don't normally have problems with them.

we are now in the process of sorting out our iva with W3 debt solutions. i called a few and they were the one who i trusted immediatly and my friend has had one with them a few years ago. thanks for all your advice and tips and i'm sure i will need you again.

no i only have northern rock for the mortgage so that won't be applicable. with owe to HSBC (loan and 2 credit cards), Yorkshire Bank (credit card) and Argos (Store Card)

well our current value is around £105000.00 and we currently owe £126000.00. what happens if no equity is available even in the last year of the iva. would the term be extended???