thanks melanie will look at brightoak, with regards to not having a foermal in solvency record is the benefit of that not being public knowledge then

going to arrange a meeting with a IP in 2 weeks time.

Will gather all letters previously sent.

What documentation will a IP require so i can start gathering info now

LadyC, will try that today. Looks like going down route of a IP, if i do will i have to show them copies of letters i have sent. Halifax are the worst with there computerised letters theres not even a contact person to get in touch with on these letters. Im sure they want people to go bankrupt. I fe...

Yeh that would be easier option but hopefully later on this year going to be trying getting back to work self employed. So bankruptcy could be a problem Money from relative is not to be paid back over a certain time. No pressure there, some people might say go bankrupt for £500 but would honestly li...

So can i use skills of a IP even if i dont want to go for a IVA.

Do all Ips do a full and final settlement without a 5 yr term

carl i think you may not of understood it. !7k is the max i can get to include IP fees or not. This is from a relative and i could not possibly ask them to lend me more. My concern is that 17k minus whatever IP fees are might not be sufficeint to propose a Full and Final settlement. If the worst com...

Payplan said only do full term ivas. I was self employed before illness.

Thanks just though if go through IP what fees would i expect to pay. £17k is the max i can get, would think after fees the creditors would have a lower amount to share out. Its not possible to share out the 17k and then pay IP fees on top. I though you could only use IP if going with a IVA. Payplan ...

Debts of around £42k. Can get a maximum of £17,000 from relative.

My worry is Ip will swallow up so much of money.

Could go bankrupt, but if health gets better i was for a short period of time self employed.

Who do the Ips write too when adressing there clients problems

basiclly, lost job on sickness benefit. cant afford payments, getting totally stressed, not a homeowner living with parents. Relative has offered me a l;oan of some money to try and do full settlement. Wrote to them addresses no one in particular but just getting replying saying i owe money not actu...

Unable to get IVA, trying to offer Full settlement, Payplan said conuldny help. Been writing to creditors explaining situation, myself dont seem to get a acknowledgemnet, just computerised generated letters. Does anybody know of actual people i can write to to get letter addressed. The creditors are...