I was overpaid £3,000, tax credits and my payments went from £119 to £14, whilst they recoupe the overpayment. I was told they can't not pay you anything at all.

Ok. Anybody out there know who i could contact? I would prefer a recommendation.

Again lots to think about.
Melanie would you be the person to look at an IVA for me, or do i need to ask somebody else because i'm a subcontractor?

Why is that please.

No, i don't have to use Gabem. They take between 27% and 31% from my wages depending on what i earn each week. My friend went limited and says his is now only 20%. Gabem pays me under an 'umbrella company', whatever that is!

Gabem seem to take such a large amount in total of my wages. It seems unreasonable.I have a CIS card but dont use it, whilst being paid by Gabem.

I am a sub contractor and am paid by a management group called Gabem. But i am thinking of getting an accountant and going limited as i will pay less tax, i have been told.

Very informtive and helpful. I think we have decided that an an IVA will better suit us, due to my business. My wife needs our runaround to ferry the children to and from school as they don't go to the local school, and it is some miles away. Our next step will be to contact an IP and see what can b...

Ok. I have learned a lot tonight, and have to go away and think about the best way forward.. Thanks for everyones comments.
Goodnight.

Sorry did'nt make myself clear, i meant would my DMP be sufficient to show that i had sought professional advice on my financial siuation?

My DMP would be okay?

Thankyou for all of your advice.

Thankyou. Do you have to pay to go bankrupt? Will it prevent me from getting a mortgage later on? Do i have to go to court? Is Bankruptcy guarunteed? Can i start a business? Will they take my car {old ford!} Lots of questions i know, but i thought i was set on an IVA!!! Now i'm not so sure.

Sorry to be stupid, but what is OR!

Hi. We don't own any property, we live in council temporary accomodation {not as bad as it sounds!} We owe credit cards, Hire Purchase from 1999! {we no longer have the vehicle}, Catalogues, Abbey National, BT, Vodafone. A lot of the debts have been passed to Moorcroft. Been with Payplan for just ov...