personal agreement would have suited me better ?

[David Mond]

You should look at your current situation today having regard to the agreed amounts owing to your creditors and your current I&E. Then discuss with Payplan what is the most appropriate advice today having regard to any changed circumstances. That way you'll know whether to continue with existing IVA with existing or different contribution OR opt for a DMP, Payplan will give you the most appropriate advice.

[DJB1982]

Thank you everyone for your comments and advice. I will speak to Pay Plan and look at the options.

I do wish that i had been better advised originally and if only i had found this forum back then!

Thanks Again.

[Skippy]

I think a lot of people wish they'd found the forum sooner, I know I do.

[kallis3]

I wished I had found it sooner as well.

[David Mond]

Well were here now to advise and help as an Expert as is Melanie who has done a sterling job prior to me joining up to add my two penny worth.

[DJB1982]

Have just had a very useful conversation with Pay Plan who have suggested we look at a number of options but they have also suggested i write to Debt Matters to ask them to explain why i was not offerred a DMP to put my mind at rest.

[kallis3]

Let us know how you get on.

[james.c]

DJB1982

I understand what you are saying about paying more back than what you owe, in actuall fact you are probably saving money by been in an IVA because no more interest is added on to your debts