Thanks Melanie. That was what i expecting to hear. No my dad cannot afford the monthly payments as he has his own debts and a mortgage after divorcing my mum 3 years ago. I wouldnt expect him to pay it anyway as it my debt not his. I would be very interested in the DMP then. What is the best way to ...

Hi there, I currently have a debt of 25k which includes 2 credit cards, a loan of 18k n a catalogue account of 1k. I am seriously struggling to pay back these debts to the extend that i now have debt collecting agencies chasing me. I want to try to do a IVA but the only problem i have is that my dad...