thank you melanie i dont want to sound thick but £12.50 a week to cope with any costs that the insolvency firm have not calculated is not a great deal when you have a teenager in college many thanks paul

the insolvency people are trying to make me accept an ipo which i dont think i can afford is there any thing i can do my disposable income THEY have said is £100 per month and they want me to pay £50 for 3 years