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AndrewClearDebt in Manchester said: 
This decision is a real shame. The big difference it would have made was that, with the majority required to pass an IVA reduced from 75% to 51% a single creditor would have found it much more difficult to stop an IVA being passed.
To be frank, this isn't happening to many IVAs but it will...
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ClearDebt in Cheshire advised:
There is certainly no catch at all. An IVA is a formal and legally binding agreement between you and your creditors.
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ClearDebt in Cheshire advised:
Hi Ladindebt,
I have just come across your worry and thought I might pass on some advise to hopefully help put your mind at ease.
With regards to your debt affecting your partner if you apply for an IVA or even if you don’t. Because unsecured debt is personal to one person...
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Ladybird in Hanley advised:
The CCCS are a charity and will not charge for advice or setting up/administering a DMP. NationalDebtline also offer free advice: http://www.nationaldebtline.co.uk/
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Hellscaretaker in Crewe advised:
A career change is by no means a good idea with how things are, more so if you are think your job is not safe. Look at this way ok he hates his current job but at lest he has a job and should be greatfully after all look at the 27,000 people at woolworths who have lost theres...
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Wh1stleblower in MANCHESTER advised:
It is unfortunate that it has taken you 3 years to realise this. In your terms and conditions does it state that they will get the interest and charges stopped guaranteed or just they will attempt to? No company can guarantee the creditors will agree to freeze interest and charges.
Also take...