Is this a particular reason or reasons you have decided that Bankruptcy is not the best option for you? Yes because I will lose my Security Clearance for my job thus losing my job. I am now thinking a DMP with Stepchange are the best option. Hanover seem confident they can set up an IVA, unsure why...

So the other option I imagine is to either go bankrupt or accrue more debt with the other lenders?

Just been onto the phone with Stepchange and they don't think an IVA suitable because apparently ZOPA reject them all and they own 26% of the debt

luna wrote:

Hi,

Stepchange were excellent throughout for us and their in-house IVA dept works exactly the same as any independent firm. I've said it a few times that they never get any issues raised about their service.

Regards.

Thanks, We have a phone meeting set up on Friday with their in house IVA team.

Hello, I put my info into the Nationaldebt helpline website and got a call almost immediately after submitting the details from a company called Hanover Insolvency. They were really good on the phone but I feel they are being very pushy about getting the ball rolling. I have also had advice from Ste...