Melanie, I would like to discuss our situation with you with the thought of proceeding with an IVA, when would it be possible to talk to you and what bits and pieces shall I have in front of me when I call. Also would be able to chat in the evenings as difficult to talk at work. Mikey

Hi Ray, thanks for that, I have been very unimpressed with the hard sale from Blair Endersby/ Baines & Ernst and reading this site I will be contacting some other IP before making a final decision.

Thanks guys for the replies, alot of this information has been very useful, thank you. Just to shed more light on my situation, I am married with three kids, 19, 17 and 10. We sold our house and now rent privately. Our DMP is through Baines & Ernst who will charge £100 to transfer our case to their ...