I have spoken to a company called Giva Financial solutions which was the company suggested by experian. Because I am new to all this I don't really know what I should be looking out for? The guy I spoke to from the above company seemed really nice and said my initial fees would only be 400. Mam conf...

Hi all. I am thinking of doing an IVA but am unsure whether or not to do it. Am frightened of what long term effects it may have on myself and my family. I have a mortgage and am worried about that. Am worried about what the cost to the IP will be. I fit the criteria for an IVA but just don't know w...