i must admit i was very worried about that, i have seen a lot of 180 - 250 monthly payments being discussed!
thank you very much for taking time to write and put my mind at rest.
I am writing to payplan now to ask for an appointment with their iva team as my advisor there suggested.

i am currently paying around £127/month. My advisor at payplan suggested an iva would be possible from around £120. I have no spare money as I am on a dmp. It is difficult enough dealing with day to day stuff like affording food, dealing with household bills or making up excuses as to why i can't go...

thank you both, i really appreciate it. i can feel my spirits starting to rise already!
an iva sounds like a good way to finally settle my debts and so much more quickly and cheaply than my dmp.

Thank you so much, that is sounding very very reassuring. [:D] Debt can really make you feel like such a social pariah... I wasn't really seeing myself as much of a catch! So it sounds as though as the IVA would be in my sole name, if we were to move in together, his income would only be relevant to...

Hi I am currently in a dmp with payplan(which is due to last for the next 11 years and leaves me, as is necessary, without any money for self improvement through for example training or saving or for any comfort) for debts of approximately £16K. However, payplan have just contacted me to let me know...