I found the IR to be very helpful, and i guess thats one hurdle out of the way.

thanks debbiw, will do that today.Is there a blueprint of the letter available anywhere on the web.

well i asked this question and there was no reason given, they simply said i could wait a few weeks and reapply. easy for them to say that, when i have phonecalls every day from the cc companies which are really getting me down.

hi caraf, no reason given from mbna, yes all the others accepted.

hello andrew i will use your site and go through the questions on there.thanks

Yes i agree with that, i suppose that cccs being funded by my debtors would always be biased to their cause. With this said, can i ask if my case would be one you might take on?

thanks for that Andrew, what do you think i should do, try a different company and go down the the iva route assuming it eventually gets accepted or a set up a dmp.I have the credit card people chasing me at the moment and i just want to deal with this.
steve

hi guys thanks for the postings, i really want to try and avoid bankruptcy. my car is worth about 10k and i really need this for my work as i travel a considerable distance back and forth. I have approached cccs to construct a dmp who say my repayments will be £360 over 5 years for me but have read ...

my ip is debt lifeboat, who havent really had that much contact with me.

Hi, I have just found this site and think its really supportive. I am needing help and advice on wether to go iva or dmp. My debts are as follows Cap one card £7536 Halifax card £8132 MBNA Virgin card £7359 HSBC overdraft £500 HFC Loan £320 Inland Revenue £1200 I have today had my creditors meeting ...