i dont think i need the IVA route. I can now afford to pay these companies but not sure if they will accept what I can afford. £15k loan, £5k loan, £2k ccard and £3k overdraft is what u have. (there maybe others that my ex took out in my name that i am now aware of) I need to get my credit repor...

ta very much. I dont appear to be on this. i need to contact the others at some point but I think i'll have a chat with somebody who could advise me. thanks

thanks for your feed back. I no longer live at the addrees where all my debts are registered and ignore all letters, not opened. I now want to start paying my loan, credit card and store cards but not sure where to start. I only just received this stat demand from cap quest who has taken on overdraf...

i'm not exactly sure how muuch or how many companies I owe money to. I stopped paying them over 2 years ago following disputes with my ex partner. I have over 20K and one of the company has just sent me a statutory demand for bankruptcy so not sure if I can apply for IVA? but i also now want to come...