I think I have been subjected to a few cowboy firms who have been more interested in how low i can make the payment

Ive been quoted 280 a month which would take 11 years but as my wages goes up quite a bit each year i will keep upping this and I guess i could be done in about 6-7. Although tempted by IVA im scared in my nature of work about sudden large outgoings that may be unexpected, professional fees, courses...

Kalis what problems did you have with the dmp if you dont mind me asking

OH thats a relief so if I go to the coop they will write me a cheque for someone like normal which I can then poet for a course/work trip.

Churchwood very good pushy salesmen

Hi everyone Ive been reading the forum all weekend and love it, has really made me feel positive. Im quite excited about starting the journey now to losing this weight off my shoulders! The shame of being refused credit cards again and again. Have my setup call with one of Melanies advisors tomorrow...

If i have an iva my pay will go up substantially from 40k to 70k in year 3. How much will they take of the extra- 50% or 90%. They could end up with the whole lot!

Thanks David I will. Does anyone know if you have to pay car insurance monthly do they do a credit check would be refused? Monthly car insurance rates seem to quote apr% My insurace is high plus £1000 following a crash. This is what worries me about an IVA. I have no contingency funds- if i enter on...

Thanks Kalis but if I dont use my overdraft with hsbc- i wont be a creditor- and why would they shut me down? Also

Thanks melanie. I keep thinking of more and more hurdles! If I have an IVA will I not be able to write cheques as I need to write cheques to attend work courses a lot. The simple bank accounts dont seem to allow cheques. If I was to stay with HSBC with no overdraft would they stop me using cheques?

My main issue is this I guess -my finaces are just holding out no defaults etc. However if the process takes more than 8 weeks I will be going into my current account overdraft. Is it safer to open a new account now or is it silly to add to the number of creditors. If thinks started to get tight in ...

Thanks Melanie- I am reassured by your experience and feedback from the boards here so will cancel clear start on Monday and hopefully hear from your firm- I filled a request.

The only thing is i live in the North and couldnt afford to travel to your offices. Could it all be done by phone etc

but hsbc is my current account- if i switch banks wont the overdraft just switch over

Thanks Melanie no-one seems to know about clear start so i have just completed your online application at least your company seems to be held in high regard here, and hopefully you will accept me. Only I do move in five weeks into a new flat- is it possible to start the process now and then adjust t...

Thanks Jan thats ace.

can anyone give me soe honest advice is clear start a reputable company? The guy sounds great but I guess hes just a salesman not the IP.