Cheers for the reply all :) and yes, i do live in Cardiff.... Melanie, i will call the number from your website later today, i was worried about calling an IP direct as such as it takes up there time to see the situation i am in, and not sure if you get charged £ to ask questions and put my case acr...

For example purposes: Monthly income = £1700 current monthly outgoings = £1800 Which means i am using means from a credit card to stay afloat.. and yes, i do need to speak to a practioner, or someone who has the time to listen to my situation rather than sell me there product (IVA) DFD have said i o...

I am struggling, sometimes borrowing peter to pay paul.. I know an IVA is not an easy way out, but when u have a credit card with just over £2k on it, and the company keep putting the APR up, so its now at 47.83% APR, you begin to wonder how your gonna get out of a mess... The problem i have got mys...

Called 'DebtFreeDirect' earlier.. Reason for looking at IVA's is because i am struggling at present, and naturally will continue or get worse in that struggling field... From this phone call, i was told it should be possible to get into an IVA, and do a 4 year 9 month and be deft free after that ? M...