£300 for accepting iva then i looked at there terms and there is a charge of £30 a month witch wasn't mentioned the company is valour financial management have you herd of them ?

hi my better half and i are looking into an iva we have had one company on the phone and all sounds to good to be true im getting advice from friends and family an most of them are saying that there sound't be charges ? we have been quoted a one off payment of £300 is this right ? would be grateful ...

can you recommend a iva advisor