Thanks for the link, i agree with some of the info on there. I was looking for a simple word doc template easy to edit and print to send of.... may have to create one that should be fun!

Thanks for help to date, Drafting letter templates do you have a downloadable/amendable/print friendly income expenditure form in your library documents, i could not find one? Thanks

Will do

Cheers you have been really helpful and put my mind at ease i can do this..... i may be back

Hi dx100uk, As requested HSBC – Managed Loan 2010 - £10500 Trade UK card– 2016 -£872 Barclaycard – 2015 -£7450 MBNA Card – 2016 -£7845 NUBA Card – 2016 -£7650 Clydesdale Card– 2017 -£450 Capital One Card– 2014 -£3250 Halifax Card– 2016 -£2250 Aqua Card– 2016 -£450 All original creditors, all paid direct, no defaults as yet but will be within next month or so as am 3 to 4 months in arrears at present and cant make obligatory catch up payments to all creditors to bring the balances up to date. Mortgages and utilities all up to date and no arrears. Thanks

Hi Thanks for the reply will post data requested when home in front of my PC

Hello all, Thanks for taking the time to read my thread. My story is no doubt similar to many past and present, i am looking to now take control of my life and debt! After a period of tough times and illness i have started work/business again and on the road to mental well being. Background... 40k unsecured debt Self employed / Partner employed Discussed circumstances with Payplan and they recommend debt management plan or IVA I am concerned over IVA and the equity clause at year 4 as this is our nest egg, i have no pension and the property is in my spouses name but they tell me if they can prove i contribute to mortgage they could activate this clause. Given the above i am looking towards DMP which i am happy to undertake myself hopefully with guidance from more experienced folk. Our joint income at present covers households etc but only a minimum token payment off creditors which i am making. This will improve as i bring in more work/business and see no benefit in IVA and the negative stigma that could be viewed by being on the register trying to win contracts or endorsements by trading standards. I am seeking advice on 1/ DIY DMP or IVA is my thinking right? 2/ Next steps to formalize one of the above Many thanks in advance.