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

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Foggy

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Post by Foggy » Mon Oct 03, 2011 8:02 pm
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probably too late now ... but I switched mine myself ---- took less than an hour. A few I could do entirely online a couple I had to get new forms sent from the payee.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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kallis3

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Post by kallis3 » Mon Oct 03, 2011 8:05 pm
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I switched my own as well, didn't take long to do it either.
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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recovering

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Post by recovering » Mon Oct 03, 2011 8:05 pm
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I filled in an online form which i have to print sign and return i suppose i can just pay my mortgage over phone once my wages are paid in?
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kallis3

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Post by kallis3 » Mon Oct 03, 2011 8:06 pm
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I presume you can, but speak to your mortgage company and explain that you are changing accounts and may need to make a debit card payment until everything is sorted.
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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recovering

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Post by recovering » Mon Oct 03, 2011 8:06 pm
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sorry to be thick but how did you do that?
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kallis3

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Post by kallis3 » Mon Oct 03, 2011 8:11 pm
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I'm being thick as well - not quite sure which post you are referring to?
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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recovering

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Post by recovering » Mon Oct 03, 2011 8:14 pm
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no you aren't! I am just panicking im sorry! i just wondered how you moved all your direct debits yourself did you ring all the individual companies?
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Shining

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Post by Shining » Mon Oct 03, 2011 8:18 pm
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Hi recovering, it's what I did, I rang them all or contacted them via their website and it was a simple task once you got started. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Mon Oct 03, 2011 8:20 pm
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Don't worry about panicking!!! These things happen on here as well when others post and you're not sure which post the question is about.

I phoned all of my companies and just gave them the details of the new bank account and they did the rest.
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 » Mon Oct 03, 2011 8:23 pm
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Remember to do it for all those that pay into your account too. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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recovering

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Post by recovering » Mon Oct 03, 2011 8:25 pm
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thanks I suppose that means opening my bank statement! haven't done that in a while [:(] it's hard to admit how stupid I have been [V]
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Shining

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Post by Shining » Mon Oct 03, 2011 8:27 pm
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We've all been there so don't worry too much x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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recovering

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Post by recovering » Mon Oct 03, 2011 8:43 pm
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not having a good day sorry[:(]
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Shining

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Post by Shining » Mon Oct 03, 2011 8:47 pm
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remember we're all here for you, and no need to say sorry - ever x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Mon Oct 03, 2011 8:48 pm
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You've not been stupid and we've all been where you are.

You have to sort out your priority bills such as mortgagte, utilities etc and get these transferred across.

Open a statement - list down the DD's you need to transfer across and then get in touch with the companies. Don't worry about any figures as all of the debts will be included in the IVA.
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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