the dmp is 17 years or something stupid like that, its only a short term plan to get my payments down cause me and my partner have just split up, and i want to get sorted out knowing exactly what my outgoings (csa etc) are before i commit to an iva. thanks again everyone

after much advice from many companys i have decided to go for debt management plan for now, looking to go into an iva when i sort my life out because my outgoings are totally different every month at the moment. i have preety much decided to go with payplan, but before i commit to them i wwould like...

would an iva affect my job in the RAF

with entering into an iva or dmp what are the chances of debt collectors coming to the door?

the reason i ask is that nearly 80% of my debt are with natwest, and i only got the loan about 6 months ago as a consolodation loan and needless to say i didnt use it for that. i spoke to a debt management company and they said that a dmp was best for me. the thing i am concerned about is the figure...

hi can you tell me if it is true that if your loans and other credit are less than a year old, the chances for been accepted for an iva are extremely slim

can you fine people please tell me what company you have all doing your iva with, and your experienceswith them. i have decided to do an iva but need to know who are the best company to go with. i really want this to be as hassle free as possible as most people do. so please let me know your stories...

i have paid an initial payment to b+e and have not completed my application form yet. i have manned up and told my partner about my problem and we have discussed it. she has decided that she will help pay off my debts by getting a job but is not happy with me getting an iva, as we want to buy a new ...

its my parents finding out that would worry me most, my partner is quite understanding. but my parents cant ever find out about this, this is why i cant have creditors ringing my house all the time. i can handle them ringing my mobile, but i put my house phone number on all of my accounts. is it pos...

i just thought could i change all my address details to my work and just give them all my mobile number. would the creditors still keep a record of my old house number and address and use them. still would prefer the iva but cant risk the family finding out.

i just feel that i have rushed into the iva without looking at other ways to solve my problems. when i was on the phone to the iva company i felt they were really helpful, but after thinking about it for a few days i feel that i was more been sold a product rather than them doing whats right for me....

how many calls should i expect, my creditors are natwest, mbna, capital one and first direct. has anyone had these companies in their iva, and how many times do they ring. i have been told time and time again that iva's are confidential, but is there any chance that natwest would get in touch with m...

i have taken counceling on gambling, this will not happen again so as far as i am concerned that is not an issue anymore. all i want in one monthly payment that will end all of this. all i need to know right now is if i apply for the consolidation loan now would i get my money back from baines and e...

if the creditors do phone the house and im not in is there any chance that they will speak to my parents or partner about my problems, and what are the likely to say to them. and is there any chance that they will come to the house. how much contact should i expect from the creditors, thanks again

telling them is not a risk i am willing to take, especially as most of the debts are due to gambling. what i really want to know if i tried to apply for a loan now would this affect my iva if i wasnt approved. if i was approved i feel i can pay off the debts without it getting any worse. i would lik...