Hello, My fiancee and I owe around £39,000 in between us (12 creditors), one of them is Amigo loans (amount borrowed £10,000), we got this loan about 4 or 5 months ago. We tried applying for an IVA else where but Amigo was the only company that opt out therefore the company told me I could not appl...

Think I'll just go with stepchange for a dmp and come bk at a later stage for the iva

There not leaving it out its there as a contingency debt but as I'm only gaurantor there looking to put the iva through with all the other creditors as it isn't officially my debt yet till he defaults. This is what there telling me I'm not sure cause I don't know what way it works I can only go by w...

I don't know I think I might just go with the dmp for a while then maybe try a iva at a later stage cause I'm not convident that it will pass this time either

Ohh god I don't know what to do now as this is what there telling me to do it's not my idea. But if it's going to fail the iva down the line then there would be no point me doing it so confused now as to why they would be giving me this info if it can't happen. Will I ever get this sorted feel like ...

Yes they r on there as debtor but as a secured debt until he defaults think that's what they said anyway ??

So why r they telling me this then I don't understand ?? Yes he is saying he can't afford to pay anymore but the debt hasn't transferred to me yet. So would I be better just going with the dmp with stepchange ??

I haven't excluded its there idea To do this cause it's still in Dominic's name it hasn't passed over to me yet. So they said to try get the iva passed without it then when it does switch to my name it can be added on. So is this not true then ?? Also I am waiting on a pack to do a dmp with stepchan...

Hey all as u know my iva was rejected from cf but the company that put me on to creditfix have now come bk with a new company to try with minus the gaurantor loan with amigo. The new company is vanguard insolvency has anyone head of them and wud they be ok ?? Any advise wud be appreciated thanks

I rang step change today but have to ring them bk on mon so hopefully they can help me if not I will have to run away I'm just so nervous about it all

My nerves are wrecked about it all I cud just run away

I didn't actually send documents it was just screen shots of my bank account and pictures of payslips and that I did it all online. So can the same pics be used fir the dmp ??

kallis3 wrote:

Have you opened a new bank account yet?

Yes I have a new bank account but haven't really used it yet. Do they need bank statements and payslips fir dmp ??

Hi - in an IVA application you do need to provide some evidence of income and outgoings. So payslip(s) are required and presumably you have some banking arrangements? Its to provide some evidence for fixed outgoings you may have. I know that I'm asking do u need them for a dmp ?? I've already be re...

Hey all just wondering what do u need to apply for a DMP ?? Do u need everything the iva asks for like bank statements payslips and everything ? It's just my bank has now closed my account wen I applied for the iva so I don't have these details anymore.