I really hope so too else I don't know what I will do

Will do Kallis, will let you know how I get on x

All I did was go on her website and filled out the IVA thing then I received an email from Vincent Bond with an attachment about IVAs, bankruptcy and debt management, that is all! I know I can't ring anyone now as its Saturday so guess I will have to wait til Monday.

I was trying for an IVA Kallis, I'm starting to get a little confused with things!

I've emailed Mel Giles and they've referred me to Vincent Bond, checked them out and they are getting mixed reviews, mainly to do with fees!! I see on this website they rate pretty high tho, has anyone on here used them?

I think I need to go elsewhere judging by the responses from here! I can see I will be busy making phone calls tomorrow morning!!

Thanks guys will let you know how I get on x

The T & C's i have relate to IVA's but it says "your insolvency practitioner will pay us a minimum of 50% of the nominees fees which will be detailed within the proposal he/she sends me as per clause 3c which reads: when we have received the initial payment from you in cleared funds we will prepare ...

I really appreciate all the advice that is being given on here, so glad I found this website. I will def ring some of the experts tho just so I feel I'm doing the right thing. I wish I wasn't in this situation but such is life!!

Well one of my inlaws works at Payplan but we don't really want family knowing too much, but I was thinking of the CAB. I did feel quite happy with Danny at EDS, he was pretty thorough in asking me everything and seemed to care about my situation (I had originally rang Norton Finance out of desperat...

I said I would be able to pay up to £300, the monthly payments are going to be £265 which I feel very comfortable with. Would it be wise to take the terms & conds to someone in the know and get them checked over, as its a bit confusing for me?

Payplan said I had an income deficit, wasn't too impressed with him to be honest, he more or less told me we should sell the house, not what I wanted to hear when I was already feeling a bit upset by the whole situation. EDS have given me a low payment & I tried the calculator on here and it gave th...

I checked out the link and found Express Debt Solutions on there, with an 8 of 10 rating, which is good but I went on to ring Payplan as they are based in my home town to be told I was not eligible for an IVA and that Bankruptcy was my only option!! I'm now very confused as I gave them exactly the s...

Hi Everyone Thanks for all the advice guy!! I only spoke to the company yesterday, all the paperwork has come through today so we are in the very early stages, I have a 14 day cooling off period so I think I will take everyone's advice on board and try somewhere else. Things are stressful enough wit...

Hi, I've just arranged an IVA with a company called Express Debt Solutions (part of Norton Finance). Has anyone used these guys & how do I know if they are a genuine company? The phone interview lasted about an hour & everything seemed proper, no fees were asked up front but he did say the first cou...