Thanks guys - sounds like the best port of call is to read the reviews of the ip's and go with my gut - from there let them give the best advice - seems like alot of you have had some good things come around after speaking to the professionals !! One more question though ?? lol How do the fees work ...

again thank you for the warm welcomes Loubylou - I'm pleased I made you smile Tryingtogethelp - some of the debts are over 7 years old so i presume they have gone now ?? but i've had a think and i'm guessing my student loan is not included in my credit report ?? does this mean I cannot include it in...

thanks for the welcome guys - it's the warmest welcome i've had when the first thing you say is - ''i've got a tonne of debt'' lol Ok i've started the ball rolling - I've had a look at my credit report - and there appears to be something wrong - there is hardly anything on there and there should cer...

Hi all – I’m new here and in relation to IVA’s and “dealing” with debt, I am incredibly wet behind the ears, Naïve or some would possibly say ignorant. Without being derogatory to anyone here can I say it has been a real weight off my mind to know there are people out there similar to myself and to ...