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Advice please -Fresh Start Financial Management
chezba
Posts: 154 Forumite
Hi all
Just wondered if anyone has used Fresh Start Financial Management for an IVA?
I know there will be people out there who are gong to shout at what I'm about to write but I'm looking for genuine non-judgemental advice please as I know how stupid I've been and it's my problem to sort out but I'd just like some advice from people who have been there!
In summary:
Jan 2012 started DMP with CCCS paying £430 to cover 5 creditors. I had 2 outstanding manageable payday loans I thought I'd be able to clear so did not declare them with CCCS as I'd heard they don't deal with PayDay loan companies.
As with all PD Loans - couldn't pay them off as wanted to and got into the re-loaning circle (YES - I know it's against my CCCS rules!) and now in the situation that I cannot manage and have 7 outstanding PD Loans which even by rolling on interest only have meant that
Just wondered if anyone has used Fresh Start Financial Management for an IVA?
I know there will be people out there who are gong to shout at what I'm about to write but I'm looking for genuine non-judgemental advice please as I know how stupid I've been and it's my problem to sort out but I'd just like some advice from people who have been there!
In summary:
Jan 2012 started DMP with CCCS paying £430 to cover 5 creditors. I had 2 outstanding manageable payday loans I thought I'd be able to clear so did not declare them with CCCS as I'd heard they don't deal with PayDay loan companies.
As with all PD Loans - couldn't pay them off as wanted to and got into the re-loaning circle (YES - I know it's against my CCCS rules!) and now in the situation that I cannot manage and have 7 outstanding PD Loans which even by rolling on interest only have meant that
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