Thanks Abbiesmum, we are still discussing things atm we dont just want to rush into things! Good luck with your baby, I was 2 weeks over with my little man so know how you feel x

Thank you all so much for your advice - we are looking into all different options and if we go down the IVA route I will definately be going with Melanie Giles - I felt completly at ease with the conversation we had yesterday.... xx

Kelly thank you so much, Tina was brilliant and I feel very at ease!! It's such a daunting process. The thing im most worried about is being refused!! I suppose everyone feels like that though!! Right I need to stop burying my head..... I'm assuming the first thing we need to do is set up a new bank...

I mean we shouldnt pay the company a month fee? Just a set up fee

He said they would do an IVA first if it failed they would then look at a DMP?? If we go for an IVA we shouldnt have to pay every month?? Im getting so confused....

I've made contact with Melanie Giles so hopefully someone will call me back! Thanks again x

Hi, Thanks you all so much for your advice, the company I spoke to yesterday was Debt advisory Centre - Im assuming they are connected to one company, however I dont know the name of the company. I will make contact with Melanie Giles as well. The company have said they take £495 the first month to ...

Hi, Thanks very much for the advice, I spoke with a company last night recommended from Money Supermarket! They have suggested we go for an IVA and if that doesnt work then a DMP! Im a little worried now if we do decide to go with the IVA, we pay the company £495 for setting this up and no money to ...