Foggy wrote:I have found over the last 7 years that creditors can be fickle --- some refuse a few as well as accept a few, it all depends on the strength of the offer and the general set of circumstances --- HSBC, for one, notoriously hate IVA's, yet I have seen them say yes. The only real thorn in the side (again depending on the circumstances) are HMRC.
Neither of those are my creditors
My main ones are natwest, shop direct, capital one and AvantCredit.
With other credit cards and payday loans below £1000
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