Hi, I have read your posts and I really feel for you. The waiting is awful, I had an IVA accepted in October, 59 paymemts to go, I used Clearstart who were marvellous, my case officer was a lady called Joanne Rowan, she answered all my queries quickly and efficiently.
I had 9 creditors and only four voted!!! my biggest creditor was Lloyds they did not vote, I was very suprised.
There are modifications but all seem standard and noting that would worry me.
When my creditors phoned and phoned, Mercers being the worst, they act for Littlewoods. I referred them to Joanne at Clearstart.
When my IVA was actually aproved I still got calls from Mercers, I told them my situation, they still tried to get money off me, so I told them that even if I had available funds I could not pay them, as this would be preferring a creditor and I cannot do that. I changed my mobile contract to a cheaper one I did this pre IVA. I saved 10.00 a month, I also changed contents insurance provider and saved 8.00 a month. I set up a new account with the co op so far so good with that, I also set up a savings acount so I can trasfer my contingency money each month. I have never budgeted like tis before and I am actually enjoying the reality of it all. I do eat some strange teas the week before pay day but what the hell, Im not going hungry, and most of all I am not getting furter into debt.
You are with a good company, they will do right by you, they want this to be accepted as well you know. Who is your nominee?
Try notto worry to much and keep posting, there is no such thing as a daft question, if you dont know then ask. Good luck
