Hi I clearly need an iva but am petrified taking the step

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recovering

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Post by recovering » Sun Oct 16, 2011 7:13 pm
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well i emailed mel and she always seems to reply really early in morning so if i wait til then its not going to delay anything as its sunday!
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kallis3

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Post by kallis3 » Sun Oct 16, 2011 7:37 pm
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Mel will be on as soon as she can - she's brilliant at responding to posters.
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
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kallis3

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Post by kallis3 » Sun Oct 16, 2011 7:48 pm
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Mel is brilliant and I'm sure she will be in touch as soon as possible.
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
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Shining

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Post by Shining » Sun Oct 16, 2011 7:50 pm
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I'm with Mel so can confirm you've made a great choice in IP x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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flumpy dog

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Post by flumpy dog » Sun Oct 16, 2011 10:32 pm
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good luck you've chosen a stonkingly good ip xxxxxxxxxxxxxxxxxxxxx
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recovering

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Post by recovering » Sun Oct 16, 2011 10:48 pm
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I don't know timescales on any of this but i have only missed 1 payment to each creditor so far
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MelanieGiles

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Post by MelanieGiles » Mon Oct 17, 2011 12:20 am
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I've not received an e-mail sorry, but I have reviewed your case and I think it is fine for an IVA so we will begin the process for you and my team will be in touch tomorrow hopefully. If you need to speak with me directly, just drop me an e-mail either to the site or to my direct e-mail address.
Regards, Melanie Giles, Insolvency Practitioner
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recovering

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Post by recovering » Tue Oct 18, 2011 10:28 pm
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Posted letters... Feeling ashamed that i had to, and that i have started something really frightening
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kallis3

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Post by kallis3 » Tue Oct 18, 2011 10:31 pm
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It shouldn't be frightening recovering - you've taken the first steps on the road to debt freedom. You've an excellent IP helping you.
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
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bustedbert

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Post by bustedbert » Wed Oct 19, 2011 3:20 pm
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I am where you are now, getting new bank account, seems they ask some awkward question regarding credit cards past credit history etc.havent contacted cashminderwith co-op yet, got applicaton going on with hsbc, natwest to name a few nat west looks promising only got to go to branch with my id proof .dont be scared keep trying something will work somewhere, like were not the first.
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kallis3

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Post by kallis3 » Wed Oct 19, 2011 3:26 pm
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Don't touch HSBC with a ten foot bargepole. They are not iva friendly and even if the give you an account they will close it when your iva is accepted. They trawl the insolvency register.
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
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bustedbert

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Post by bustedbert » Wed Oct 19, 2011 3:36 pm
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ahh right ok cheers, looks like co-op are the best bet then.
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kev59

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Post by kev59 » Wed Oct 19, 2011 3:39 pm
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just opened my new a/c with Natwest, all done on line.
ask for passport or diviving licence number.
had cheque book and card within a week.
IVA now over with and it was worth it.
now starting my life again,
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bustedbert

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Post by bustedbert » Wed Oct 19, 2011 3:49 pm
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yeah , put in my driver number, but they couldnt verify my identity so sending me paper work or something.
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bustedbert

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Post by bustedbert » Wed Oct 19, 2011 3:53 pm
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kev, looks like you've opened a current account if they have sent you a cheque book as you dont get one with a natwest basic account, there no overdraft either.
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