Both I and my husband had good jobs and both earned respectable salaries; we were able to pay our monthly credit commitments with no problems. We enjoyed holidays abroad and all the benefits of having a good income. Unfortunately in July 2005 my husbands company relocated to Scotland and due to our family commitments here in Chester he was unable to relocate with the company. My husband was unable to find another job with the same salary and took a job that paid considerably less than before. We started to use our credit cards for day to day living and used loans to consolidate other loans. By the end of the year the pressure to pay our monthly credit commitments had become overwhelming. I looked on the internet for some advice and came across the website for Debt Advisory Line; I contacted them and spoke to an advisor who went through my options. Both my husband and I met the criteria for an IVA. It was so reassuring to know that we could call our own Personal Account Manager if we had any problems with the pressure that we were under. With just one phone call to the Debt Advisory Line we came to an agreement with our creditors and are now paying a monthly amount we can comfortably afford.

Mrs. Cooke from Chester