Thanks everyone, sorry i didnt realise you werent supposed to give names. Iv started to get an idea of a couple of firms that i am going to approach so thanks for all the help xx

We've all been there - our debts were over £80k! It is a slog but you'll get there and we are all here to support you along the way. Aww thank you, its quite nice to know there are people who had more debt than us haha. I always feel like nobody else will of got themselves in this position and stil...

Don't be scared. We started in a similar position and the first month was such a relief. Just to be able to go food shopping on payday and having enough left over after the first week to live on for the rest of the month made life so much better. As did forwarding any debt collector letters to the ...

Don't be scared. We started in a similar position and the first month was such a relief. Just to be able to go food shopping on payday and having enough left over after the first week to live on for the rest of the month made life so much better. As did forwarding any debt collector letters to the ...

Hello, I was hoping somebody could give me some names of companies to start speaking to about starting an IVA. I have tried looking on the forum but I can only really find Creditfix. Any recommendations would be really appreciated. Thank you

Things might have changed, but historically, when Stepchange farm out IVA's rather than doing them themselves, they always used to send them to a company not perceived as being client friendly ( and the forerunner in mis-interpreting equity release). Oh really? Well we will definately make sure we ...

kallis3 wrote:

You could also sign up to a few online surveys where you can amass vouchers which is useful for Christmas and Birthdays.

Yes i might look into this thank you, we are quite good at planning ahead for birthdays and christmas but this maybe useful for the years having an IVA xx

Thank you very much for the reply, it's nice to know there's a place I can ask questions because I'm finding it all quite confusing. We have only been speaking to step change at the moment and they are getting a company to get in touch with us so when we have spoken to them and looked at some others...

Hi everyone, So me and my husband are just currently thinking about IVAs and it's making me feel very nervous and unsure if we are doing the right thing. I'm so ashamed that between us we have about £37000 debt which started off with us stupidly getting a massive unsecured loan with our mortgage abo...