Hi there, thanks for all the information you put down, I have just had someone on from thinkmoney who explained about IVA's and debt/financial management, there was no mention of any 'fee' to be paid to 'Gregory Pennington' or the other company I was told they have Freeman Jones who do not appear to be anywhere on websites, even this one. After your experience I think I will carry on as I am and pay my own way. Best of luck.