As title says really.
Got myself into a bit of a rut over the last few months and cant get myself out of it.
Basically buried my head in the sand and hoped i could balance things, now realised i can't!!
After speaking to the bank i'm with and virtually begging for a consolidation loan only to be greeted with a no and a look of Smugness i'm looking into going down the route of an IVA.
Has anyone ever done this or free to give some advice??