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

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kallis3

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Post by kallis3 » Mon Dec 19, 2011 3:27 pm
You can do - at least then you know they've had it.
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
 
 

kev59

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Post by kev59 » Mon Dec 19, 2011 4:44 pm
One of mine was doing this, just send them on to your ip.
Must of had 5 or 6 from them in the last two months,
but there never voted at my meeting.
Keep hoping they will call just I can tell them to get lost.
IVA now over with and it was worth it.
now starting my life again,
 
 

Rosepetal

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Post by Rosepetal » Mon Dec 19, 2011 6:07 pm
hi Recovering, we experienced this too, had me so scared at times . DON'T PAY THEM A PENNY!

it really is scare tactics. you're doing really well.
keep posting for support,just forward everything to your IP.

not long now,it'll be 2012 before you know it!
Nothing stays the same...everything changes..hang on in there!
 
 

recovering

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Post by recovering » Fri Dec 23, 2011 3:28 pm
More letters today.. [:(]such a nice xmas present just need reassurance that i'm doing the right thing ...just sending the letters on to ip?ps hope you all have a lovely christmas
 
 

kallis3

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Post by kallis3 » Fri Dec 23, 2011 3:56 pm
Just ignore them!!! You are doing the right thing. Don't contact your creditors, they will be aware you are going for an IVA and you do not want to speak to the bullies in the call centre.

Either send them on to your IP or just bin them.
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
 
 

kazzafunk

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Post by kazzafunk » Fri Dec 23, 2011 5:13 pm
I agree with Jan - I sent letters to the IP for about a week then so many started to arrive I just lit a fire and burnt them!

You know you are taking action, these letters are just generated, many automatically so not worth worrying about. Just think towards the future and try not to worry about them.
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

recovering

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Post by recovering » Fri Dec 23, 2011 5:18 pm
Really? a fire sounds good but i'm working through until next thurs..maybe rain will have stopped by then and I will have an inferno! thanks
 
 

kazzafunk

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Post by kazzafunk » Fri Dec 23, 2011 5:45 pm
lol - too wet for a fire here! Could do with a few days of frost to clear up the mud everywhere.

Seriously, as long as your IP has the debt listed and the letter is just a where's your payment type of letter you don't need to send them in all the time. I was advised just to send in any that look like they are planning court action.

Take care.
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

recovering

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Post by recovering » Fri Dec 23, 2011 5:57 pm
They are
 
 

kazzafunk

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Post by kazzafunk » Fri Dec 23, 2011 6:16 pm
They are what? Just payment requests?
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

kallis3

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Post by kallis3 » Fri Dec 23, 2011 6:16 pm
Exactly what does the letter say?
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
 
 

recovering

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Post by recovering » Fri Dec 23, 2011 6:40 pm
Umm didnt open but googled address and it came up with debt recovery/ ccj letters
 
 

kallis3

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Post by kallis3 » Fri Dec 23, 2011 6:43 pm
I would open it - you will probably find that it is a standard letter - the vast majority of us had letters threatening court action.

In the unlikely event that anything did happen then your IP can get an interim court order so that the creditors cannot take you to court.
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
 
 

Shining

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Post by Shining » Fri Dec 23, 2011 6:54 pm
I agree and keep forwarding to your IP any communication and let them deal with it. They're trying to get you to pay but don't give in, take the advice of your IP at all times, they know your case best. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Fri Dec 23, 2011 7:02 pm
What's the name of the company recovering? Some of us might have had experience of them.
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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