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No it's a Debt Management Plan (DMP)
We could afford it but it would make things tight. Could it be changed to an IVA and would this make a difference?
Do you think once the house is sold and we inform them we are emigrating that they would be more inclined to accept an offer and should this be done through PayPlan or directly?
I have heard the adverts about the government scheme to to clear off up to 1/2 the debts and when originally disusing it with PayPlan they gave the impression that we could eventually pay half the amount off to clear the debt. Is this just for an IVA arrangement?
If we moved to Spain and couldn't pay what would happen whilst we are in Spain?