ok guys- thank you so much for your help!

I know you cant make the decision for me but can you advise on cccs or payplan to do a debt management plan with

Hi! yea they have the monthly figure is £202is this within cccs? I am going to try an IVA in 6 months because my circumstances will have changed by then- Im moving out of home etc so expenditure will be different I rejected my previous iva because with the modifications I wouldnt be able to afford t...

Hi All

Just wondering if anyone had heard of Debt Problems Managed Limited I am hoping to do a debt management plan with this company for 6 months and then try for another IVA

ive also been reccomended to speak to the consumer credit counseling service

so many options

your all so helpful- thank you very much

im actually confused as to which one to go with- bains and ernst made it quite clear they would want their fees paid out right before they began to talk to my creditors

pay plan just seem a bit to good to be true offering a totally free service

hi guys! i need your help again- Ive gone through my options and have decided a debt management plan would be best for me for about 6 months with a view to look at applying for an IVA after this time I was in talks with a company called bains and ernst who had up front charges of £220 to cover the n...

Thank you for your replies- all so helpful i wish id have found this forum sooner One last question- if I do go to a different provider- what would the difference be as they have already had a meeting of my creditors who wouldnt agree and wanted the modifications Sorry if I sound greatly confused here

Hi! Thank you all for your reply Yes that is the name if the IP who was dealing with my case-- I'm not happy with the terms or the modifications at all should I go with another firm This morning because I didnt accept the IVA they have advised me to go for a debt management plan but with the same co...

Hi Guys Ive been in talks with central capital and they have now agreed with my creditors i will need to pay 429.51 per month back on my IVA- I feel this is to much? I have a debt of 23,000 but cant afford no where near this- my original proposal was I pay 229 per month however my creditors have mod...