I was having difficulty with my debts which are around £12K.
I am on benefit, and so I foned up Debt Free Direct to see what they could do.
I am very upset that all they could offer me was an IVA - 7 years paying £130 a month.
Naturally I had to sign up because I was getting constant harassment of one of my creditors Halifax who kept foning me up every day demanding money I didn't have.
I am now wondering if the IVA really was the right solution; they didnt offer me a Debt Relief Order which is what I would have prefered.
Is there anything I can do besides letting the IVA fail (which I dontwant to do because Halifax will harass me again).
Very distressed by the whole thing; Debt Free Direct knew I was on benefits; I really cant see myself paying £130 a month for 7 years, especially as I could loose my benefits at any time anyway, they failed to take this into account.
Because of being on an IVA no company would give me advice as I have rung around several this morning; they said the IVA would have to fail before anyone could help me!!
NOT happy can anyone please help