OT: who's in debt?

Look here, you spamming bastard, if the solution was unbelievable, how can it have taken the stress away?

snip assorted spamming bs

You get a better class of spam buster here on uk.finance.

;-)

John

I went through a process of an IVA they reduced my payments to an affordable amount they deal with all my creditors now il be debt free in 5 years

Oh dear.

So rather than use one of the industry run or charity organisations which make no charge to you or your creditors, you chose a commercial organisation which charges your creditors ~15%, reducing the amount they get.

Expect your creditors to be unsympathetic to the slightest breach of your IVA.

- Free debt management companies: and

- Free debt advice:

Payplan are funded by the credit industry as a whole -

"Every penny you pay into a Payplan arrangement goes to your creditors and reduces what you owe. This is because we receive funding from the credit industry who recognise the need for a free service."

The Consumer Credit Counselling Service (CCCS) is a charity -

"The Consumer Credit Counselling Service is a registered charity whose purpose is to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice. "

The National Debt Helpline is a charity -

"We are a charity (Registered Charity Number 1099506) formed in 1991 to increase the quality and availability of free, independent money advice in the UK."

There is an excellent forum for debt issues here - - TMF dealing With Debt board. Start here -

Many of the people have been there, done that, & got the T-shirt, so the advice is from people who have a detailed knowledge of the subject.

More links on my webpage -

Daytona