That reply made me smile. The reason I took further credit with the bank is not because they let me but because they paid my bills while I was unable to after already going overdrawn, they tried to help, but with the charges and everything I had to pay well lets just say I was stupid. Then when I th...

Thanks for the replies, I did look into all the implications of the IVA before I entered into it and looked up the pros and cons and im sure it is the right decision for me and my position, briefly my husband and myself over the past 10 years have accumulated about 60,000 pound worth of debt always ...

Ive just entered into an IVA with debt free direct and although it seems like a good solution i'm scared to death, its still in the early stages about 6 weeks in so far, and now I have to close down my bank account and open another, so more creditors will be on my back. I'm feeling so low and stupid...