15% off of any debts written off and reduced sums. There are no other charges.

the fees were £600 the interest is frozen, and thats for both of us. We just pay £100 between us. Some of the debt has been written off, and some have been negotiated for a smaller sum.

we are with debt solutions south west and pay £100 per month.

Hi Kallis, I havnt posted here since 2010, we couldnt manage the IVA, so wrote to them telling them we were going to fail. In 18months paid in over £3000 but none went to creditors. £3164.53 paid in, plus upfront fees. Bank Charges 22.75 Bond 46.00 Disbursments 80.39 Dividend 811.27 Legal fees 56.00...

Hi failed IVA with simple debt solutions in 2010, will this be on credit ref for 6yrs. Is ther such thing as a free credit history site.

Hi Kallis,
still waiting, been 6mths, dont want to say too much on here, as hopefully my future is bright, you may remember my posts.

I thought that budgeting was the way to go, surely pay as you go is cheaper than a contract that could be anything from £15 a month to £45 plus, i budget my pay as you go, between £10 /£20, only using it when absolutly no other way of communicating, i try and allways have a fiver on it case of emerg...

i thought that if your house was in negative equity, you then finalise the iva, and if their was equity but you couldnt release it then you have to go the extra yr please correct me if i'm wrong, or does it solely depend on the terms. i guess at least its not over the long term is it.over in 1 year....

havnt been on for ages, nothings changed hear still waiting for failure document, so we can move forward, is there sometying wrong with this site, cannot not get up any debt posts.

hi there to put your mind at ease, i have a mortgage and secured loan with First Direct, but no other debt, yes they closed down my banking accounts immiediatly, but we still pay our mortgage and loan to them from our new bank account. may i suggest that you move your wages account to a different ba...

thanks guys for all your support, my husband and i are very confident for the future, and are learning all the time, just this month i lost my way a little, instead of doing the draw shopping money out each wk, i did the i'll do a little shop here and a little shop there, and before i new it i was r...

its brilliant essex jim, i'm glad your in a happier place, and your relationship stronger, i too was ripped off by money expert, but you know we live and learn, but the lessons are hard but the future is bright. best wishes.

what a lovely result, its amazing how much you have to push to get the right balance. i'm glad your nearly finnished and good luck to your debt free future,

yes it is Mel, myself and husband have gave it a lot of thought and seeked extra advice from CAB, and with all the lovely people on hear giving us sound advice and hope, it is the best option, but unfortunatly its a waiting game, but we are looking forward to the future, even though there is a risk ...

For the one's that know my situation, after emailing and phoning our company back in April, that we were going to fail the iva, we have now missed three payments, now we have to wait another 28 days, to fail the arrangement, but what im confused about is what the letter say's,. "and if appropriate i...