it is unfortunate but some people do take advantage of a situation. Sounds like they've made abig mistake at you expense. everyone makes mistakes but it doesnt sound like it has been dealt with to your advantage either!

liney is this debt release or debt free?

new council tax bill, mobile phone bill maybe

I agree. The difficulty is that some of the IVA companies rely on getting the custom by promoting that they can write off debt. Some even say all (of waht you cant afford). I suppose if they say do an IVA with us to give them all you can this probably wouldnt work lol

John An iva will write off the money that you can NOT afford to pay back. If you have justification for your creditors to accept writing of the 75%, in some cases even more, then they will do so because they don't have an alternative. I understand what you mean regarding the adverts offering to writ...

Woodell. The company aren't waiting for the car to be sold to pay any upfront fees are they?