hi, if your partner is already in an IVA he cannot transfer to another company, he would either need to satisfy the IVA, or default on it. they can only repossess what was agreed at the meeting of creditors, they cannot take anything that wasnt included in the IVA proposal, so you would need to check the paperwork to see what was included. if ...

regretfully, i would say yes, if you want to address the situation over a shorter period. other than that, you can stay in the house and make an arrangement with the companies. most of the major lenders have departments within their company that will negotiate with you to help address your issue. each creditor has an acceptance criteria and if ...

seems strange that you are actively encouaging more than one of their (B&E) services in a few discussions? you see i know of Byrom and Keeley, very well, and they have never not contacted creditors on a clients behalf, they are very well established and have a lot of happy clients, by the way, i dont work for them.

sounds like reliable collections and if it is, this is normal, and they have stopped the int for you.

you are free to go wherever you want and you are not tied in. dont let them push you around.

you need to shop around. there are free services - but funded by the creditors the CAB - impartial - but only initial support then the fee chargers - some take more than your initial payment (first two or three payments), so if you do choose a fee charger then make sure its one that will only take your first payment, anything more than that is ...

the CCCS always recommend a debt management plan as they recover all of the funds and you owe, and they are funded by creditors, so they really dont want you to do an IVA because they lose money. you can contact your local CAB who can put you in touch with someone impartial after giving you information for you to decide what you want to do.

realistically an IVA would be rejected anyway as there is too much equity in the property, so they would look to write off any debt, they will look to secure it against the property. you can look at debt management, but i warn you with that level of debt, it will take some time, or a remortgage. you wont get a consolidation loan (unsecured) to ...

unlike baines and ernst then, taking the clients first two payments and a £70.00 admin fee?? IVA market a bit slow then?

are you struggling with the repayments or just wanting a loan? if i were you, i wouldnt take a loan out. you have already ran up a decent amount within no time. if your struggling, contact your creditors to let them know, then learn from your errors and be careful in future.