thank you for that information i doubt if declan would be able to change my situation but thanks anyway.

i wont be needing any credit at all.... my credit file is already damaged ....thank you michael for your kind words .....

thank you for all the replies no point in saying anything more as nothing will change my situation..... i see just one way out now....

I DONT HAVE ANY ASSETS EITHER AND I AGREE THEY WERE OUR DEBTS AND WE HAVE TRIED HARD TO PAY BACK EVERYTHING SO WHY DO YOU THINK DEBT FREE DIRECT WONT RELEASE US THEN MR CAPTAIN SENSIBLE........WHY WOULD YOU WANT TO KEEP PAYING IF YOU HAD PAID BACK 100 PERCENT OF THE ORIGINAL DEBT.

CONSOLIDATION LOANS DONT WORK............. AND I HAVE NEVER SAID I WANTED TO AVOID PAYING MY DEBT...... PAYING BACK 56.000 OUT OF A 55.000 DEBT IS NOT WHAT I WOULD CALL AVOIDING PAYING A DEBT.............

LIKE YOU KALLIS3 I HAVE MY OWN OPION ON THE SITUATION....WHAT I AM SAYING IS LOOK INTO IT DEEPLY BEFORE MAKING THIS IMPORTANT CHOICE.

EVERYONE WILL MAKE UP THEIR OWN MINDS ABOUT TO OR NOT TO GO INTO AN IVA ..... ALL I HAVE SAID ITS NOT ALWAYS THE BEST WAY FORWARD C.A.B. WOULD OF BEEN MY 1ST STOP IF I KNEW WHAT I KNOW NOW........

HELLO DECLAN I TELEPHONE DEBT FREE DIRECT TO SPEAK TO YOU ONLY TO BE TOLD YOU DONT TAKE TELEPHONE CALLS....

I CANT CHANGE THE SITUATION SAYING DIFFERENT THING BECAUSE IT IS AS IT IS ........SAYING DIFFERENT THINGS TO DIFFERENT PPL TO MEANS YOUR CHANGING YOUR STORY...... AND I AM NOT CHANGING MY STORY I AM NOT HAPPY. WHY DO YOU THINK DEBT FREE DIRECT HAVE NOT COME FORWARD WITH A SETTLE MENT FIGURE ...........

I HAVE AS MUCH RIGHT TO HAVE MY SAY AS EVERY ONE ELSE........

I DONT EVER WANT ANYTHING ON CREDIT BEING IN THIS IVA HAS LEARNED ME HOW TO HANDLE
THE LITTLE BIT OF MONEY WE ARE ALOUD. AND I WOULD NEVER WANT TO BE OFFERED ANY FORM OF CREDIT LOAN OR ANYTHING LIKE IT/. COS THATS HOW IT ALL STARTS.......

YES WE HAVE LEARNED THE HARD WAY I WILL NEVER GET MYSELF INTO DEBT AND BE IN THIS SITUATION EVER AGAIN IN MY LIFE.

RHB SO THIS GOVERNMENT LEGISLATION THAT EVERYONE TALKS ABOUT ....TO HELP WHO......... YOU AGREE IT SHOULD BE MADE CLEAR ......WHEN ENTERED INTO THE IVA HOW CAN YOU PAY BACK MORE THAT YOU ORIGINALLY OWED HOW FAIR IS THAT ............I ASKED DEFT FREE DIRECT WHO ARE THEY ACTING FOR ME OR MY CREDITORS ...

please dont long and hard about going into an IVA its not an easy way out. we are in an IVA with DEBT FREE DIRECT. we have been in the iva for 5 years ours is over 6 years we were to pay back 80pence in the pound to our creditors this has now changed to 100 pence in the pound. plus they has also add...

we are in an iva and have been for the past 5 years our iva is over 6 years because dfd said our creditors wanted63pence in the pound then that was changed when it went to court to 80p in the pound the minimum payment was going to be some where in the regin of 900 per month. so we accepted an extra ...