New bank account created, all dd's cancelled, hopefully new bank setting up replacements for utilities.
Just waiting for contact from creditors ... which hopefully will go to CCCS now as all authority handed over to them.

Having tweaked a few things I am settling for £1700 a month over 4 years. It's a worry as, after the mortgage has been taken out, there is nothing left without my wife's wages to pay for all the usual outgoings. It's enforced self discipline for a problem that is no one's fault but my own.

Guys, you are great, thank you. I had a longer chat with CCCS today. They explained that they would independantly recommend the best option and curently that is a DMP. I explained that I was worried about the monthly premium of over £2000 and they said that I can review all of my outgoings to see wh...

Andy "You really need to deal with all your unsecured debts in one IVA or one DMP"
I'm really new to this - is there a choice.
We are l;ooking at a DMP with CCCS, so is that not an IVA???

Ashley Park are the company offering to take ust £800 a month and then 'write off' all debts after 3 years. CCCS want £2000. My wife has been talking to AP and I've been to CCCS. We've been paying a couple of loans plus £1600 to CC and SC for a few yaers, not even covering interest. I'm keeping my h...

We are using the CCCS to clear the debt. Their repayment is about £2000 a month. We have been approached by a company who say that's rubbish - they will pay £800 a month and get our debt written off after a few years. Can this really be true?

Just heard from my HR department.

As long as you keep things out of the courts you need tell them nothing.

CCJs and Bankrupcy would be a problem, but the IVA way would sort it out!