Right I'll specify my circumstances to the letter... I rent my property, have no mortgage and no savings with which to attempt to climb the ladder. Between myself and wife, we earn more money than is paid out on BILLS which won't ever go away (rent, poll tax etc) The spare cash left is sucked up by ...

I refer to it as debt consolidating as that's how it's been put across to me in the initial 'cold call'. How would I go about having an IP company check this all out for me? The Creditfix people are asking for paperwork to be signed and returned by Wednesday for the case to continue. I'm not sure wh...

We did not contact these people at all. They phoned me. Usually I don't answer strange numbers but as I was at home on the 2 week paternity leave I gave it a listen. Sounded good so set up a meeting etc. Since then though, I'm having doubts as to whether it's for us or not. Total owed which the IVA ...

Thanks for all of the replies. Appreciate it. Just to be clear, we haven't sought an IVA, it's been proposed to us Over the phone by Creditfix. We meet our obligations and are not in any danger financially. Our only issue is our overdraft with our bank, it's been our biggest crutch since the first t...

Hi there, I've had a proposal from Creditfix to consolidate all my monthly debt payments into one monthly payment of £124. This hasn't been approved by creditors as yet as the initial setup is still underway. My question is, what's the catch? We're looking at a downsize of debt payment outgoings fr...