Have just had a very useful conversation with Pay Plan who have suggested we look at a number of options but they have also suggested i write to Debt Matters to ask them to explain why i was not offerred a DMP to put my mind at rest.

Thank you everyone for your comments and advice. I will speak to Pay Plan and look at the options.

I do wish that i had been better advised originally and if only i had found this forum back then!

Thanks Again.

Thanks Melanie, you are right, but had debt Matters offered be a DMP i think i would have considered it further, bearing in mind that i knew 18 months ago that my salary would be increasing. my reason for contacting them was to find out about the options and i didn't know what an IVA was until they ...

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