Thanks to you all, for the responses, I will check the web site Kallis3.
My application was rejected by the co-op! never mind, don't really know what to do about a bank account now?

Thanks for that Michael, Just done an on-line application for co-op and I should hear back in the next few days? tax is not that much of a problem for me I pay it monthly my business accounts are fully up to date. Have you heard of the company that I mentioned? Still unsure about going for an IVA th...

Hi, I am thinking of applying for an IVA I've been in touch with a company called Bridgewood financial solutions LTD, if any one can advise on this company I would be most grateful, I tried to google reviews for the company but had no luck. Please if you know of them or have used them please tell me...