gathering all my info for my IVA company

[marie]

Hi All,
I'm new here and just starting with my IVA at the moment i'm just gathering all my info for my IVA company.
I've been reading stuff in the forum and it's a great place.I'm very scared at the moment,and my head spins,but being here is helping !
Thanx

[Sadsack]

Hi Marie and welcome

This is a scary time - we have all been there! What is good about this forum is that you can ask as many questions as you like, rant rave, shout and scream - there will always be someone around to help you and give you sound advice.

Take care
Sue

Ho Hum! Think I'll bang my drum!

[marie]

Thanx for the Welcome Sue !

Marie

[scaredkez]

hi marie welcome to the forum, like sue said we are here for you whatever,advice, rant, rave or just a chit chat, good luck with your iva.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[marie]

Which iva companies are you with ????

Marie

[Sadsack]

Hi Marie
I would not recommend the IVA company that I am presently with - but if you are looking for a reputable IP then look no further than this site.

Sue

Ho Hum! Think I'll bang my drum!

[marie]

I'm currently sorting things out with Cleardebt,anyone else with them ??

Marie

[scaredkez]

hi marie i am afraid i went BR my iva was rejected and i certianly wouldn't recommend who i used, read my blog it will fill you in on my journey, but going bankrupt was the best thing i could do and the relief has been immense i can tell you i can start to live again,so we all have different experiences here and can share our knowledge with you
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Sadsack]

Have they given you a proposal yet to look at? What sort of calculations have they made for you? Could you post more info here regarding your debt, creditors etc?

Sue

Ho Hum! Think I'll bang my drum!

[marie]

I owe about 19,000 to a great long list of creditors,They said about 31p/£ would work out at about £162 per month

[marie]

My creditors include Halifax,Next,capital one,solution

finance,littlewoods,citi,grattan,vanquis,provident........the list goes on !

[hallway]

hi jusy got in from working nights just read your post, my iva was approved in march and quite a lot of my creditors were the same as yours, next, littlewoods, cap one, solution,citi and they all voted yes, so might be a good sign, good luck.

[marie]

Yeah hopefully it will be a good sign fingers crossed ! thanx for telling me that.....so you had had no problems with them since......no nasty phone calls letters etc......

Marie

[Oliver]

In my experience all the creditors that you have mentioned are welcoming to IVA proposals as long as you reach the minimum return of at least 25p in the £.

Good luck with everything Marie.


Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[iva_squirrel]

Hi Marie [:)]

I agree with ThomasCharles your creditors will normally accept a minimum of 25p/£. Can you post some more information about your debt?

I wish you the best and hope you find in this forum all the info you need to give you some peace of mind throughout the IVA process.

Regards,
Michelle P.