Thanks again Melanie & ray_a! Its so nice to be able to get positive, and straight to the point feedback. I am currentley in talks with a very nice lady at thomascharles, who is calling me tonight to discuss my situation further. My only other option is to again, refinance my loan (again!). Thanks a...

Hi ray_a, Thanks for all your input! I heard about IVA's through a freind who was also looking into sorting out his debt, and came across this site from a search on Google. Monthly income is £1200-£1300 (depending on any overtime) Outgoings are very high at the moment due to a new job and additonal ...

Hi All, Thanks again for your comments. I currently pay back £425 per month for loan/ cc payments. I have been quoted £250 per month over a 5 year period, this sounds like a very good option to me, but am a bit concerned now that ray_a, has said this would be expensive?? I know I dont owe a lot in c...

Hi All, Thankyou for your quick responses. I actually have around £18000, mostly with HSBC, but credit cards with Egg,Tesco & Amazon. Is it worthwile talking to someone at HSBC first to explain what I am planning to do? although I know all they will do is try to offer yet ANOTHER loan, and that is e...

Hi All,

Have just started looking into IVA's, and am wondering what the amount you have to owe is before you can apply for an IVA?

Many Thanks

Jon

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