Good morning Melanie, I have just registered with your website, after three weeks of not hearing anything from Debt Free Direct.... I noticed in one of the forums that you have an office in Cardiff? At the moment I am working in Swansea every week, so it may be an idea to meet? I do hope you will be...

Sorry I also meant to say thanks but posted the message before I got the opportunity to type the second sentence. Thanks

That is terrifying... the creditors will go beserk.

Thanks for the messages. At the moment I am now struggling to make my payments, please can you advise what I should tell my creditors whilst I am looking for a suitable IVA provider? What happens as soon as I appoint one? Do they get in contact with my creditors to hang fire whilst this is sorted ou...

The debt has generally increased over the last three years with a sharp in increase between July 05 to July 06. In January 05 I separated from my partner of 8 years (we have a young girl together who was 3 at the time). This resulted in me having to leave our jointly owned house, for the time being ...

Thank you for all of your messages, I am actually based in Daventry, Northamptonshire. I called Debt Free Direct on Monday, sent the form out electronically... finally feeling there may be a way out. Starting to think I need a smaller based firm, not an 'IVA factory' as per some reviews I have read....

Good morning, after the last horrendous few years (seperation, car crash)I got married this year and we are expecting our first child... my life is about constantly trying to make monthly payments that I am struggling to meet. I contacted Debt Free Direct three days ago but they have not responded t...