Michael, thanks for your advice, ive had bad experiences with some firms ive enquired to as they baffle me with legal and suchlike jargon, at the end of each conversation im not sure if they are saying things that are going to be a waste of time or not...you know...one bitten, twice shy. Thats how i...

Ive been using bains & Earnst for over 2 years now and year upon year the amount owed has increased from 55k-56k-57k. Each time I ask for them to apply for IVA becuase we are being crippled increasingly...we get excuses why we fail (if they even tried at all). A frustrating side to this is me and my...

Hi The IVA failed because 2 creditors failed to agree the arrangement. Overall, me and my wife have almost 70k debt over 21 creditors. The value of the 2 creditors who failed us were 14.5k combined. The debt is a collection of lans, catalogues, store cards, credit cards and overdrafts. We are trying...

I am currently using Bains & Ernst who compiled a case for IVA as we are in such a bad condition. The IVA failed we were told, so now we are on a debt management program which is being managed badly i would say. We can not afford more initial setup fees to get out of the current situation. We realy ...