www.iva.co.uk

These companies make me laugh. I just did one based on owing 25k-50k not a homeowner and being unemployed.

The results....

1. Apply for an IVA as my debts are more that 10k[?...I have no job!!!

2. re-mortage[?] i dont own a home!!!

3. a DMP[?] quite difficult without a job

So why give me this false information its obvious i cant dome any of them so theyare just wasting peoples time. I did not give correct contact details as i dont want to be bombarded with phone calls. [:(!]

I think that they are probably used by companies trying to persuade you than an IVA is the best option for their own financial gain!

I suggest that 30 minutes with an Insolvency Practitioner might be far better than 30 seconds with a piece of pre-programmed software - but nevertheless some of these things do act as useful guides.

Your probably correct. I just found it odd that there was no mention of Bankruptcy when the form i filled out was to see if it was an option.

I did it out of curiosity really.

More like a company with a bad programmer.. lol.
A 5 minute free call with a qualified advisor will be fine. Don't think an IP would spare 30 mins for a frontline call. Although Melanie probably would...

Melanie is very good and probably would do that

Why wouldn't an IP do that? IP's that refuse to engage with their clients don't deserve to have any. I know that post will make me unpopular, but I am afraid that is just the way I see things.

And I totally agree with you Melanie

I agree too Melanie. I don't know what I would have done without our numerous chats and face to face meeting. Your comment definitely won't make you unpopular on here, where debtors outnumber IPs!

I didn't even know I could speak to my IP! I really wish I'd gone to Melanie!

I think a lot of us do Skippy. We found this site too late!

I have found it in good time really. As soon as im sorted with secure [ish] employment i know where i will be getting my IP from!