Considered IVA but owe 22K jointly with husband (16.5 in my name 5.5 in his) so don't think we can as cant do joint IVA can you? (so neither of us owe enough in criteria then do we?) The DMP done on joint debts & joint income.

Thanks Melanie, started DMP 2006, estimated end 2014 @ 300pm. I will go back to DMP company again. The mail order firm passed it over to NDR a few months ago and it is since then that I have been charged. I send my payment 1st monthly but of course it takes longer for creditors to get it when the Co...

I have been in a DMP for 2years & one of the creditors has started charging £12p/m admin charge, they say it a late payment charge, yet for 2yrs the payment has been sent same date & they receive £12.93 payment. We have never missed a monthly payment to the firm dealing with our DMP & I have asked t...