Thanks folks for your comments and encouragement – it is very much appreciated. I did talk to another company this afternoon and we should have a second opinion on Monday. We hadn’t realised that the CCCS IVA was a commercial concern!! I like Dougie’s idea of the standard letter – the firm I...

I’m getting rather worried and a bit confused as to how to handle our situation over the next few days. Basically, some weeks ago, having studied posts on this forum (and asking a few questions) I concluded that our best way forward is most probably to go down the IVA route. At that time, we were st...

Again, thanks folks for your information and comments on this.

Many moons ago, things went exceedingly pearshaped (lost our house etc.) and we ended up with a CCJ for around £8k which was owing to one of the major high street banks. The amount included various costs and interest accrued under Section 69 of the County Courts Act 1984 “continuing until payment/ju...

Thanks everyone - good to hear that different lines of credit all count, even when with the same lender. [:)]

Hi Melanie

Thanks for helping here. What do you mean by "at least three lines of credit" - if I had say 2 lenders, but with one I had an overdraft AND a credit card debt does that make 3?

I found this statement on my-iva-adviser.co.uk at *Link removed*(trust it is OK to quote another website?) .......[:I] "There must be at least 4 different Creditors with debts over £1000. Even though all unsecured debts can will go into the Individual Voluntary Arrangement (IVA), no matter what the ...

Thanks to you guys for the answers and advice. It's good to know that there is no age limit.

Haven't chosen an IP yet - working on it....

Hi everybody This is my first posting [8)]; the time has come to seriously look into IVAs! Most things that we need know at this stage, we have found the answers to on this excellent forum. [:)] A few points remain, and I'll post them separately. So, the first question:- is there any age restriction...