thanks so much for the kind messages - I'm off for a celebratory drink - not champagne,that will be saved for 60 months time - house white'll do!! The forum was such a great help in making me take the necessary steps to finally sorting out my finances - although I did'nt post I scrolled through read...

Have just had the call that my IVA has been accepted - I really can't emphasise enough how professional Cleardebt have been - in situations like this it's hard not to resort to cliches but the relief in being able to actually look forward is like a huge weight being taken away - Will post a full rev...

Im nervously waiting for a call having sent my paperwork through - I've been trawling through posts on the forum and am really quite worried with the comments about BARCLAYCARD and their reputation for constant , and somtimes aggressive phonecalls. I am usually an extrememly confident person on the ...

thanks for your good wishes - will update as to how things progress

that's good to hear, I'm just so looking forward to being able to wake up one morning without financial worries being the first thing I think about - I know an IVA is'nt a quick fix by any means, I find the most difficult thing is not being able to talk with friends and family so a forum like this w...

Hi - thanks for replying - have chosen Cleardebt, I read through as many reviews as I could find and they seemed to be really consistent

I'm in the process of sending in my paperwork, after having deliberated long and hard as to what to do.. have £32,000 of unsecured debt with 9 seperate creditors. My problems began as my income is variable - I got used to earning quite high amounts of commission, but my company has suddenly changed ...