Hi Kal, just thoought I'd say that I Mccambridge Duffy recently proposed an IVA for me which was accepted at 25p in the £. They have been excellent so far, friendly, reassuring and professional. No complaints at all. I wish you luck!

Thank you, Melanie, for the advice. How do I contact Andrew Graveson?

Hi, just wondering if you could give me some expert advice regarding taking out a new mortgage per/post an IVA. Although I've been on a DMP for 2 years I am intending to try and embark on an IVA in the near future. I am also considering taking out a joint mortgage with my partner, who is in a positi...

Interesting to read this update, yet if you look at 'rattbags'posting concerning HSBC (today), he/she refers to the fact of HSBC being the main creditor and seemingly accepting a less than 40p in the £ proposal.

Thanks, Andy. I'll get in touch with them and inform you of any developments!

Really appreciate all the comments and the discussion makes for interesting reading! But in view of all this what would your recommendations be at the moment? To continue treading water in a DMP until/if HSBC climb down? Or to give it a go anyway? And who are Clearstart and would they be my best opt...

Hi,just wondering if the experts could give me an opinion on the following situation. I'm considering an IVA but am wondering whether there's likely to be any real chance of negotiating a repayment level I can afford. My overall debt is approx £70,000, spread between various creditors but unfortunat...