It's been a long time since I have looked at this forum but as i have a friend who is struggling with their debt at the moment i thought i would pop back as I have recommended they take a look at this forum so they can realise many people are in the same boat as they are.
I can tell you what I told them. Deciding to use an IVA Was the best decision I made and also one of the hardest but once I made it I could feel the weight lift from my shoulders and instantly could see light at the end of the tunnel. It was tough at times but I don't regret it one bit. I am now looking at moving home and it feels great.
Take advantage of the kind understanding experts on this forum as although I didn't post a lot just reading the posts and comments helped me through.
I wish you all the best of luck!
For example if BKY is the better option and they have sufficient funds they will only pay contributions for 3 years when compared to standard 'Protocol' IVAs they are fixed for at least 5 years (Other IVA terms more flexible).
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