I am just going to go in to a Iva but very worried about it , I know I need the help as it is getting too little money to go around and over drawn every month , just the two company's I have spoken to have done my head in . Am I doing the right thing ??
If you have queries make it plain to whoever you speak to. It is a daunting process but you are doing the right thing by taking advice and hopefully it works out for you. If you are not happy try other companies until you find the one that puts you at ease.
If you are not happy with who you have already called, try more. Five years is a long time to be in a serious relationship which is what an iva is, minimum.
Read some of the reviews and the blogs to see other people's experiences.