Thanks for the advice. I have taken advice from so many people, all of whom have a vested interest, be it IVA companies pushing me down that line knowing they get a bigger fee or DMP as the creditors have more chance of getting everything back and a lot more. My head says try the DMP first as I alwa...

I have the option to go on a DMP as opposed to an IVA. Can anyone tell me in what circumstances a DWP would be better than an IVA

I am trying to make my mind up on whether to go with ACCUMA or PAYPLAN. Has anyone had any experiences of either, good or bad?

I am caught between going with Accuma or Payplan. Can anyone give me any experiences of either company please

The 2 names I seem to read about on this seem to be Thomas Charles and Accuma. Do Thomas Charles work on behalf of Accuma? I see skippy that you said Thomas Charles send everything to Accuma. I am a little confused

Has anyone had experience with Accuma. I am about to send my stuff off to them and wondered if anyone could give me any feedback, good or bad?

Kevan,
I am hopefully about to enter into an IVA. Big question is how did you find it? Did you have to scrimp and save for 5 years? How hard was it?

Thanks razamatas and debt dummy. Both very useful and will take advice on board

If accepted I dont expect to have bundles of spare cash but are you left up to the wire every month without being able to factor in Xmas, b'days, the odd day out, emergencies etc? What happens if you have a huge bill for say car repair for example? I have just phoned my creditors and offered a nomin...

Thank you all for your excellent advice. As a result I am going with ACCUMEN. I guess I'm still concerned that I upset all the loan / credit card companies as of today only to find I have the IVA knocked back in due course. I've been advised to make token payments to all credit firms of £5 and get t...

I called the debt buster line and spoke with Aaron Beckman from Greg Pennington. Has anyone had any experiences with them before, good and bad?

I spoke with 'debtbusters' and they said I was suitable for IVA.They have said I should cancel all direct debits to loans ASAP. They then take £584 from my account and after that put me in for an IVA. My worries are these: Is it cart before the horse? By that I mean isn't there a way of me knowing f...