Hi All Thanks, you have given me some great advice. I was drowning and so desperate to get out of my situation as it was driving me nuts. I read the information sent to me but I didnt understand all of it fully. The burden it took away was a relief initially but it is leaving me broke especially as ...

Hi All Thanks for the information. I am with Debt Free Direct. I was a bit lost with the 'write off' part. I went with DFD as they seemed to be the largest and were very helpful when I fist called. I was under the assumption that some creditors will allow you to pay off a large portion and will writ...

Thanks Carl My re-payments total is over my total debt but they do charge a lot for their services. As I own a home, they also want me to remortgage that in year 4 which will give them even more money. I feel dubious about all of this. I know I owe money and screwed up in the first place but I feel ...

Hi All Wow, you are quick and friendly too. Thanks for welcoming me. Melanie, thanks for the quick response. What I am confused about is that if they advertise they can write your debt off (some of it that is) why do you have to pay it all first? I was under the illusion that some would write off wh...

Hi All Just joined. I found you through Google. Anyway, I'm about 18 months into my IVA. I owed a lot so payment is over a grand a month. I can never seem to get a straight answer to this question... Is any of my debt being written off and if so, when does this happen? My IP won't answer this questi...