Very good words of advice..........I have seeked more advice from other companies and its a surprise how different they work.........I'm now coming to terms with the fact that I'm not the 1st to do this and I'm not alone..........

Thanks for your words again Melanie and Foggy!! I will look at a sceond opinon so I get another view! Guessing its like when you take out insurance, you shop around for the best deal, not just pick a number out the phone book, if that makes sense! I'm hoping while I'm doing this my token payments, t...

Thanks for the latest replies...really great to read! Off work Monday so I am going to make calls to other companies and see what they say. Just want to make sure as well I'm doing the right thing......

Great advice Melanie and claire..........

Thank you again, that's really helpful and I'm going to hammer them with it! I am so up and down with this! Think I need to be a bit stronger......

Melanie I am still lost with it all, they went over my outgoings twice so am now waiting for forms in post I think. I just feel as if they have said what's your rent, car running costs, hair cut costs, phone bill and food bill per month...........then we'll take the rest for creditors or maybe I got...

Aw thank you briggadeen. Foggy love your quote......

Sent that before the other replies, but great to read what you've all sent! I roughly owe £18k and have just started with Pay Plan, recommened by a friend. Went for the IVA plan and now have made a few token payments to my creditors which I also felt worried about.....

Thanks for that reply! Yea I totally blame myself for my mess!!!! Just hope it'll calm my worries by talk to other's who are in the same position!!!!

Hi All! New to all this and in a panic! Have just started looking in to an iva and its sending me in a mad panic, more then paying all my debts with now money to spare every month! What's on my mind to is should I of done a dmp instead :(!!!!! All I can think of is once I add up my outgoings iva wil...