Hello

Thank you so much for all of your replies, I have taken all of your advice on board. It is so nice to know we are not alone in this and that there will be light at the end of our tunnel of debt.

Thank you again
George

Hello

We are considering taking an IVA are there any companies we should avoid (I was under the impression that as it is a governement scheme they would all be regulated but now I am not so convinced). The company we are currently getting advice from is the Debt Advisory Centre.

Thank you
George