Hi all, we've decided to go for an IVA and are in the process of gathering all the paperwork (statements, loan agreements etc). We are currently in a DMP with the CCCS and will cancel that tomorrow as have gone with a different IP. What I'm not sure about is once we've cancelled the direct debit for...

Hi, I'm not sure if this will be any help but a couple of months ago we got a letter from this firm and I also tried to call but it was permanently engaged. Then by a chance I mentioned it to my next door neighbour who had also received the same letter, managed to get through to someone and they bas...

I feel the same way - will be contacting you shortly. Many thanks for your quick reply

The unsecured part of the mortgage is not included on the DMP. Its our fault as too be honest I've always just thought of it as the "mortgage" and didn't think to declare it on the DMP. I'm unsure why the cccs didn't offer an IVA 18 months ago but there you go - it just shows that it pays to shop ar...

Hi and thanks for all your replies. I will call some IVA companies and get the ball rolling but should I contact the CCCS first who currently hold ore DMP? Do they advise on IVA's? The only other question I have is, do we include the unsecured part of our mortgage on the IVA (N.R Together Mortgage? ...

Hi - my husband and I jointly owe around £50,000 on unsecured, credit cards & loans. We were basically living off credit for most of our adult lives. Since August 2007 we have been in a DMP with the CCCS. However a couple of the creditors have refused to hold or reduce the interest so I feel we are ...