brill!!! its good when you get the comments and reviews here, like i said we were about to sign up with synergi but the reviews totaly put us off, tho they are great on the phone but of course they had no money off us yet!!!

im going to do it right now!! XXXX

just wondered melanie....could i have you propose an IVA...if i go to your website?? XX

thankyou, we will deffinately check out your link, synergi seem very helpful on the phone but after reading the reviews im totaly put off, we cant afford to upset the creditors by making them wait so long!! x

hi, we were going to go through an iva with synergi but after reading this have decided not to!! but we would like to know if we find an iva company is it true that as we have an interest only mortgage with no equity we do not need to remortgage at the end of iva, but to pay an extra yr? we are with...

crickey!! a lot to think about there, i was under the impression that the creditors would be happy to get what they do, i didnt realise they can suddenly change thier mind and i cant do anything about it! although they have all been ok with the payments for the last 2 yr, fingers crossed i get the o...

cheers for that, i know when we started the DMP they told us it would take 15 yr! i just thought that with an IVA the money we pay to the DMP will be included and hopefully i get the new job so will be able to increase the payments which i know will happen with the DMP when i tell them i have a new ...

oh and i have two kids age 9 and 6 if that makes any difference, we dont get wftc as they overpaid me and have stopped it!

lol ok im 35 hubby 40, jobs very secure, at moment monthly income 1500 but DMP as is, the £170 is our disposable income, if i get the job our monthly income will be 2000 but i will have to pay out more for car and traveling, i just think that even with the new job we will pay forever on the DMP

we are paying £170pm at the moment, i work part time and hubby full time but i have an interview for a full time job which will more than double my wage so the situation will change to paying more, we dont have any equity as the house was remortgaged b4 i moved in(3 yr ago) and again last yr to get ...

we are currently in a DMP and have been for about 3 yr, we owe approx £29k but im just wondering if we should go for an IVA we own our home but even if it were sold it would just pay back the mortgage lenders, we really dont want to have to sell up anyway. please help!