yeah i have about 14k. cleardebt approached us, we have been in dmp for 3 years and no budging from square one! x

a lot of people do highly recommend melanie, so im thinking of putting an iva enquiry into her. just feel as we only have 1400 approx debt noone will take us!!

i dont want to start this and end it with a war but im after some advice.... ive looked into a few companies and still not sure who to go with! it hurts each time i look into someone new! if you didnt mind, or had any positives or negatives on certain companies id greatfully listen! its such a huge ...

lol i totally understand! and thanks for all advice. x

melanie, if you dont mind me asking, or if your even allowed to voice, whats your opinion of cleardebt??..

i have looked reviews online and they seem ok but theres that many to look at its tiring lol i just want someone to say come with us were great!!!

that for a family of 4 melanie?...

i havent arranged anything yet just trying to see if its best for me first.

after all bills have left each month were left with about 4-500 for any food, petrol, clothes etc etc so seems it would be about the same??

thanks for clearing that up. so to be on the safe side im best to tell ip any change in any circumstance?

yeah i totally understand what your saying. having lived a do as we wish lifestyle a few years ago its hard to come into a new one but i will try and live like life in an iva for the next few months. just need to know my budget per allowance. then i know to live on only that and see how it goes xx

does anyone know a 'top of my head' average for each allowance?... eg food for family of 4? clothes? etc x

whats an annual review on an iva??...

am i right in thinking each annual review you have to pay a lump sum into iva???...or am i misunderstanding another post?!

hi all.... some people i have noticed are literally scrimping and saving, down to the point of being excited over havin 5 pound left at end of the month for a pasty at greggs.... is this how an iva works? or is there possibility of having a meal out to the pub? or a drink for a friends birthday?... ...

i think what welch is trying to say is he hasnt been made to find 8k a month because company reimburses him so he isnt personally trying to find it

but my opinion would be find a new job because it really isnt helping you by the looks of things!

thanks melanie. whats vetting?

thanks everyone, so helpful

thanks kallis......only been on this forum for a few days and already i feel someone knows what i mean and can understand what i want! its such an amazing forum xx