Hi - Whats Melanies company called? Id liketo check it out. How soon can everything be drawn up - im scared to death of creditors getting heavy.

So who's the best - seems to be a bit of a mine field when it comes to selecting an IP - this Melanie Giles sounds good but does anyone have any other suggestions? How are they paid? Does a set amount come out of the credit pot each month or is it a one off?

Pay Plan - weve been passed over to them from the National Debt Helpline who have been brilliant. This lady from Pay Plan called me today to discuss final figures before its passed to a DMP administrator and she suggested that an IVA might be better for us considering we will have to be paying about...

Thanks for the quick answer - you are a lifeline! We had previously looked into an IVA in depth (with the aid of laptop and internet) but it sounded horrendous - that whole re-mortgage thing put us off! But now having faced the absolute truth that something has to be done an IVA does seem albeit mor...

Yes it does - the liklehood of there being more than 85% LTV available is quite small anyway. So what happens if say there is £30k equity, and you remortgage...What if A) You are refused as credit rating is crap or B) You remortgage foe £30 minus fees, what happens to the money? Thanks for replying ...

Does anyone ever regret going into an IVA - im really scared - not the financial committment but things that are not explained properly or me not fully understanding all the rules up front. After all its all done on the phone and with the best will in the world things get missunderstood. Someone ple...

Hi - husband and I are in process of setting up a DMP when at the last minute weve been suggested to take out an IVA. Looked into it and seems like a good plan but can someone please explain the re-mortgage thing in Y5. What if there is no/little equity in the house. What exactly are they going to a...