Thats it emma best to stay with existing ones if had claim in past. With me now i pay less than half the price i paid with pet plan for more cover, One thing i do know is you need insurances with pets, I lost my last dog over a year ago never claimed in the 7 yrs of having him but when he was diagno...

Marks and spencers cood prices, life long cover pay out,

But wont cover you for any existing illnesses like all insurance.

I used to have pet plan so expensive, but these are good and pay out.

If you have a landline or broadband with virgin media for £10 per month no contract i get 300 texts and 300 minutes on any network. they can rollover for one month

Why do people go for DMP rather than IVAs

How have you found neogiating yourself with your creditors

Thanks Johnz for that

As one of the creditors is aking for medical report on likelhood of returning to work. Will copies do or will they need orginal. Believe i might have to pay for this from my doctor, so if have 6 creditors dont want to ask for 6 different letters from doctor if the charge me for every one. Maybe all ...

Any advice on this, was going to ring them to see what extent of medical record they need.

Thanks Cybus

Have not got a Ip acting on behalf at moment.

trying intially to do a full and final myself.

Have not got a iva

Got letter from Creditor regarding settlement Req They are asking for Info On: Full Statement Of I And E As not receiving benefit AWaiting it Will he still include expenses as if he had money coming in. Living with Relatives so lodging is not exactly paid as have no income. Cancelled car insurance a...

When it says 75% HAVE YO AGee is that the amount of creditors or the amount of debt, say ifyou had 1 creditor with more tham 75% of debt and they agreed would it be approved if others rejected it

Sorry not making it clear

Someone who i was speaking too said they were in a iva with spectrum. After readiong what i know on here they are on a DMP which not all creditors have accepted. I think they had to make 3 payments of £400 each and pay into there DMP £1 for each creditor but also pay the same to spectrum. Its seems ...

Will relay message. Just that i know they find it hard to pay mortgage at current rate as for there income to learn up to 85% would probably make it that realistically could not afford payments as they only have 1 income. They have equity in house but there mortgage is already 3 times there salary.

Whats the situation. If your house has equity but chances of remotgaging to 85% LTV is not allowed by mortgage company. Would the iva fail

This is for some one else, it amazing how many people are in debt.

Hi melanie A DMP is that not long term repayment?? Thought i would have to put it through a IP With offer of funds from realtive this would be a full and final settlement, i feel in my heart it will not work, but i know i need to try. Still getting offers off creditors wanting to increase credit car...