written by on 11/09/2013
we were in so much debt and first approached stepchange for advice. our creditors were phoning us all day every day to the point of depression and then stepchange suggested the iva. although it has been hard especially with ppi payments and our car always needing repairs which means it is hard to keep to a budget we are thankful to the help from stepchange and really looking forward to being debt free. i did find giving our ppi payments to the iva because the way we see it is we were misled back then so why should our creditors benefit?
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