What about stepchange they say it is fee free so everything goes to creditors?

Thanks for the quick replies and great advice, I will have to look into the DMP route. Can anyone recommend any good companies to use.

Thanks

Mike

I have an interview for a new job. The basic salary is what i earn now, there is a car included which obviously has tax implications.However there is a phenomanal amount of overtime available which means that if I were successful I should be able to work like mad which I am prepared to do and be clo...

Thanks for the advice will give them a ring to see whats on offer

Hi had a phone call today off RBS as I am only making minimum payments. The lady suggested calling the collections department to work out what options ar available.What can they offer me to help my situation(owe them £4K other lenders £21k all unsecured) as other lenders I have spoken to have basica...

Hi, if I enter an IVA what effect will it have on my partner financially as all the debts are in my name except for the mortgage.
She is with LLoyds for her current account and has a small balance on lloyds credit card can any of my creditors swipe money from her account?

Thanks

Mike

The company I work for offers a pension wherby you pay in 5% off salary and they add 11%. In my case that would mean a contribution of £125 a month before tax and a pot of £24k over the next 5 years. I have not enrolled in the scheme yet(it only started in October) as money is so tight. Would it be ...

Thanks again for the advice I think I will go for the coop option as it is nearest to me. One more question totally unrelated to the original question, I have read a lot of articles saying not to use a firm that charges such as CAB or CCCS but there are lots of testimonials on here for other firms. ...

Thanks for the help guys really appreciate it

Hi, I have had big debts for a while now but have been able to keep up repayments, now my partner is unable to work the situation has changed and I will need some help in sorting out my finances. My debts are Barclacys bank £1200 unsecured loan HSBC Credit Card £3500 Barclaycard £7000 RBS Credit Car...