Hi Melanie, Our replies crossed - No I was never given a breakdown of costs for anything, just estimated costs for the whole IVA which just keep going up. I agree with you regards the creditors, why should they care after 6 years what the fees are as long as they get their money. The fact that there...

Thanks Melanie. Will that give me a bad credit rating and is it likely they will let me keep my cards once I pay them off in July? Chris

I have a large amount of debt but I am getting a huge bonus in July which should pay most of it off. However, I don't know how on earth I can make ends meet in the meantime and don't think I am the right candidate to take an IVA. What should I do in the following few months? I cannot get any more cr...