Iwas with an IVA but have let it fail because I feeland know from the legal advice I've received, that BR is best for me. Look at those on this forum and go onto www.bankruptcyhelp.org for advice. Ask every legal professional you can. You can never have ebough advice. Ask and ask again. Be sure.

I used to get called up non stop and in the end I reported one company to the Office of Fair Trading because they were harrassing me so much. These call centre geeks are on commission. You stand up to them and tell them you;re reposrting them, they will, go away.

I've got £20 the next weeks shopping. So, £175 seems okay. As mentioned before, make a veggie stew. Eat it with rice/pasta/jacket pots over the week and melt some cheese over the top.

I have been on the Insolvency Pratitioners Association website and cannot seem to find any of the names of IP's on this forum, listed? How do I know if anyone is true?!I'm so upset about everything I feel Ican't trust anyone.

Okay then, the firm that was dealing with my IVA was Clearstart. I was not happy from the get go with them because they wanted so mcuh money every month. Now my IVA is due to fail I have to start quickly in finding a decent IP to help.

Is it okay on here to mention the company name? Also I do not have any assets that would be lost if went down the bankruptcy route. But! I do work for a very large and well know solicitors in London. However I am admin staff/reception and have no legal undertakings with them i.e. I'm not a solicitor...

East Duwlich SE22 to be precise. Thanks again.

I live in South East London. Thanks Guys.

chris.g wrote:

Sounds very pressurised selling. Have a look around the IVA market, any company worth their salt shouldn't be pushing you into making decisions until your ready, there are some really good ones out there.

Yes but that's the thing, I don't know who the 'good ones out there are!'

This company I have the IVA with has said unless I pay two months payments immediatly they will default me. Can I go with another IP for another IVA after being defaulted on my first?

Thanks All. As soon as the IVA was in place I thought I had seriously done the wrong thing. The 'advisors' seemed more like salesmen. It got down to bartering in the end, which really made me uncomfortable. I went to a company first off who turned out to be real hard core salesmen who wanted £400 up...

Can someone suggest where and who I can talk to about my situation.

See the above I just posted!

I would also like to point out that I have just read a thread about bankruptcy on this forum where a gentleman has debt of 40k and pays £350 per month. Why then was I asked to pay £450 per month when my debt is 15k!!!! This is why it is all madness to me.

I didn't shop around for the IVA that was right for me. I took the first offer that came along. I rent my house. I have no savings. I do not own a car. I thought I could pay what the IP wanted me to and still survive. Since then more creditors have contacted me about debts I has not included in the ...