I wonder if it's so strange? As IVA's (like anything) become more commonplace don't they become somewhat devalued - no longer an essential lifeline but merely another option to be tailored to the user's requirements? I can't believe the national psyche has fundamentally changed. The easy credit that...

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Talking about cars - my first one was a turquoise mini that cost £547 and its registration was 6297 VM. 45 years ago!!!!!

Nice! And just think, if your name had been, I dunno, Vernon or something it would have been really cool! [:D]

Absolutely kal, sharon. It wont be the same for everyone though I'm sure of that, particularly as anyone who makes it thru the IVA (or whatever arrangement) and gets themselves debt free is going to have 'suffered' in terms of no new clothes/car/holiday/furniture or whatever, and the first thing the...

It's a pretty incredible story on the face of it, but then again all our stories are aren't they? None of us could or would ever have imagined having the credit we do (did). Just looking ahead - and grossly over-simplifying the situation I know, assuming everyone who owes these relative forunes were...

David Mond wrote:

Whether paying through a commercial organisation that charges fees or using CCCS/Payplan makes not one halfpenny of difference. ...

Oh I see, that makes sense. Thx David

A lot of people aren't aware that you can do a DMP without paying.... the majority of people will just see the fee paying companies advertising on TV, or when if they use Google, and they will normally try the first company they find. At the end of the day, I suppose it is who you are happy with. I...

Wish you luck lull, it's good that you have been given some encouragement and are feeling more pos anyway. I'm in a similar situation in that I'm currently on a DMP and considering IVA, but I'd like to ask a general Q (i.e. not addressed to you specifically) if I may? Why do so many people pay for a...

Hi again Kal Yes I'm considering IVA because, incredibly even after the MBNA settlement I still have some considerable way to go to get free! I've only recently thought about it since the guy at CCCS mentioned it during my 12 mnth review the other day, so only just found you guys and am only now rea...

Hi It is likely that most of the debt has been sold onto third parties who are probably open to an offer. Are the CCCS aware that you have paid MBNA off ? what did they have to say about this ? Regards andy On this point (and after I'd got mum back up off the floor and committed to saying goodbye t...

Hi kallis, hi andy Thx for the rplies. kal you are right of course, they can only say no. I'm not in a position to settle any others which is why I haven't called and asked but I wondered what other people's experiences may have been in this regard. Also, when I said F&F that's not strictly true, it...

Hey guys This is post #1 for me, but I 'know' some of you from reading just a few of the many threads here. And it's a great forum, no question. So anyway, I have a situation like all of us here (except the experts who presumably (hopefully!) never got themselves into this mess in the first place! S...