Do you think it's best to phone them or write to them? Will they not just ignore/bin the letter, but then if I phoned them, they'd need it in writing. Seen as I can't get an IVA, and a DMP might not be a good option, with having to pay back my debt for who knows how long (10-15 years just seems to l...

Yes that's right, they're saying I have too much disposable income for the IVA, but I'm not exactly happy with it since it could really take forever to pay this off if interest isn't frozen, and I won't know that until after I am in a DMP (probably for quite a few months). Is it just as likely a per...

Hi, I decided to phone Debt Advice Bureau who passed me on to payplan. They have said I can't go down the route of an IVA as with the 60k debt, I would have around 1k per month available, and a DMP is the only option. They see it as I could pay 1k per month (thats what available after living expense...

Hi Melanie, Thanks for the info. Thanks for pointing out that the ratio is not 50/50. My girlfriend earns quite a bit below me, so I'll need to alter my figures. I suppose it's only fair that I should be paying more for things like rent if I'm earning more. This will increase my expenses, bringing d...

Hi, I have lots of debt (around 55k) and my salary is 30k. I need an IVA to help me out, can't manage month-to-month. I have a few questions: 1) Rent on our place is 800 per month, although my girlfriend has been nice and paid 700 herself, with me just paying 100. I now need to start paying half - h...