Just thought I’d give you guys an update after listening to your advice I made a full an final offer of £3000 and had to wait about 5 weeks for the meeting was delighted to here they accepted my offer about 3 to 4 months later I got my completion certificate!! There’s no way on this planet I could o...

I have spoke to my Iva company yesterday and they said they would take my f&f offer to the creditors they have requested copy’s of driving licence proof of address and proof of funds which has been sent to them. I have explained my situation verbally on the phone but do I need to write them an email...

Thank you foggy for your advice I’ll not be so blunt to them. I’ve not always been in this situation I used to drive lorry’s and diggers and dream about being in the property industry which requires my credit report to be of a good standard. However I feel that going bankrupt would Hinder me worse t...

I don’t have any Rolex no assets I have nothing all income is benefit based don’t own my own home if I ring iva tomorrow and explain look I’ve made a mistake I Carnt afford the payments all the worry and stress isn’t doing my mental health any favours you either accept £3000 to end it all or I’m goi...

I avoided bankruptcy as I thought it was the final nail in the coffin and just over the years ya hear everyone saying ya don’t want to go bankrupt it’s last resort so when I found about IVA I jumped at the chance. Do you think they would accept the full and final offer as they are hoping to get more...

Hi long story short I got my self into 69k worth of debt lost my job ended up on universal credit long term I live in my brothers spare room after speaking to few company’s who advised me debt was too high for DRO and it would take a million years on a DMP my only options would be IVA or BANKRUPT wa...