Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
do they give you a specific time for the meeting, as I work Mon-Fri and is difficult to get time off , but was hoping a late or early lunch would be enought time to speak to IP if needed
Yes there is normally a time, and the IP can ring you at a pre-arranged time maybe after the meeting time to discuss anything that needs to be. Let us know when it is and we'll all be wishing you luck. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
They do like you to be by the phone as there may be modifications that need to be discussed.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Its great to be able to open up about problems, startedthe budgeting this month and its not to bad, dare I say it seems to give more of a purpose than the wreckless spending of the past, I also agree with one of the postss here, whilst I take full reponsibility for my situation, I feel the banks should take a little bit as when I was very financially secure and solent the banks could not throw enough cards and loans at me and increased limits without me even asking, some loans could be in my accpount with a few clicks on the PC, it nice to off load although as I said I take full responsibility, thanks agin guys for all thhe messages and support
I always take full responsibility for my debts - yes, the banks threw money at me sometimes but I didn't have to take it. I also lied sometimes to get the credit.
I even resorted to begging on one occasion when Direct Line wouldn't give me a top up loan. They did eventually.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
just looking through my IVA proposal, again and I noticed that 5 of my creditors have got Grant thornton listed below them and 4 have got Tix Harlow listed below, does anyone know what this means
thanks
It just means that Grant Thornton and Tix will vote for those companies. It's nothing to worry about and happens all the time.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
That means that Grant Thornton and Tix hold nearly 80% of the voting power with the companies they appear to be representing, would this seem positive, sorry for keeping asking question but bit nervous about all this
Don't worry key, this happens a lot and they will all vote individually for the debts. I don't think you have anything to worry about.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
The positive way to look at it is that GT and TiX will look at the proposal from a purely accounting perspective. They have no axe to grind and don't care if you swore at the collections department last week [:D]
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
thanka Kallis for all you advice, hope Iam not being a pain, so am I right in presuming that these representative have to look at eacd debt individually and be impartial on each debt ?
No, you're not a pain at all. It's what the forum is here for, any advice and support.
They have to vote impartially on each one.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
