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Iva's

can anyone tell me about them? i know you can offer to make a min payment of say £1 a month, but when can you make this offer, to pay back a debt? like when you owe a lot on say a credit card or catalogue debt. and how do you go about it?
Halifax-Limit-£500-Balance-£0
Halifax-Limit-£500-Balance-£127
Virgin-Limit-£500-Balance-£0
Thomas Cook-Limit-£1100-Balance-£0 Play-Limit-£1000-Balance-£358

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