Hi Rbh, I had a student loan, usually you can defer the loan till you are earning at least 15k per annum. When you do start paying them off, it is usually around £30 per month per loan for 4-5 years, which is better than doing any IVA as the interest is so low. I would really pay it back properly if...

Hi Melanie,

Looking at the proposal, their fees are: £3819 Nominee's fee, £255 Supervisor Disbursements and £5875 for Supervisor Remuneration.

I have sent all my details through to you last night from your enquiry form!!

Thanks

Alison

Hi Andy,

Thanks so much for the response, how would I go about finding someone who deals in the TIX system. It's just that the lower the fees the more dividend and so the more chance of getting it agreed!!!

Alison

Hi,

Try the Alliance and Leister if it is not one of your creditors. I had to apply for a new bank account as my overdraft with first direct was classed as money owing. I applied with A&L online and got an account. They seem quite good so far!!

Thanks KPW!! I have just been on Melanie's website and emailed her, didn't want to phone as it is Saturday night and didn't want to interupt her evening!! Hopefully I'll get to speak to Melanie soon so that I can try and sort things out and get no more grey hairs!!! I have been reading many of the f...

I'm not too sure what to do now!! I haven't signed and sent off the proposal yet to Synergy, even though they have taken one payment off me. So do I stop using them and go to someone who will not charge as much?? If so any recommendations?? Or do I try to do a DMP and see if that's possible??? Reall...

Chris, What is a TIX?? Sorry I really do not know everything as I was too embarrassed to discuss this with anyone and just went to the first iva company I found!!

I haven't, but just doing the maths that would mean that nearly £15k was going on fees and I would only be paying back £9k. That seems far too high a figure for fees!!!!

I have just recieved my iva proposal from Synergie (yes, I have only just read all the entries saying don't go with them!!) I owe just over 38K and with the repayments will be paying back 24K, so why on the proposal is the dividend only around 37p for every pound??? Where is all the additional money...