How do I know that the company I am in an IVA with are a reputable company, I have been with them just over a year now and the monies they have taken from me have so far gone to pay them and very little of my crditors.
I'm afraid that the first year or so will see payments going on fees. Your creditors are obviously happy with the fees being charged
Don't worry, your creditors will be getting the agreed dividend.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk