Thanks for all your replies. I just hope I can sort out an IVA before the end of the year. Desperate for some peace of mind.

kallis3 wrote:

Hi,

His details are in his profile if you check on that.

Ah! So contact McCambridge Duffy directly and ask to speak to Michael? Didn't know you can speak to an IP directly unless you're a client already?

Hi KlorBlok. I was out of the office yesterday so only seeing the posts now. Tesco often ask for statements to see where the money has gone if the debt itself is anyway recent. If gambling was a contributory factor to the problem they would certainly want to see that it has ceased so any online acc...

You have chosen a very good firm to go with and if they think it is feasible then it is. As I said, your dividend sounds good, even at £350. Tesco and MBNA were among my creditors and did not throw any spanners in the works. Thanks for your kind words. I really hope that it works out. Yes I do beli...

Thanks to you both. £400 would be pushing it to be fair as my partner doesn't work and we have 3 kids under the age of 10. In an ideal world I would happily pay £350 for the next 5 years as I'm no stranger to living within budget (did it for many years without ever needing any form of credit). After...

Greetings, I find myself with roughly £43000 worth of unsecured debt, £19k of this debt was due to gambling between March and July this year. I can't believe I got myself into this situation. Until about 2 years ago I was completely debt free except for the mortgage. Zoopla estimates our house to be...

We usually require wage slips & P60 [if not already provided monthly], tax returns, an up to date income and expenditure account and details of any changes in circumstances. It is very straightforward and in the vast majority of cases there is little or no change. Do you request 3 or 12 month's wor...