Hi Everyone,
I have my IVA proposal meeting today, and am anxiously sitting by the telephone awaiting the outcome...
Just wanted to thank everyone on the Forum for all their valuable advice - I decided to look into the possiblity of IVA a couple of months ago after having struggled with debts over the last ten years, until it had come to the point where I just could not cope with it anymore. The Forum was brilliant! I really researched thoroughly about IVA's reading lots of comments from everyone here.
In the very first intial stages I changed my bank account, cut up those awful Credit Cards, opened up a new basic bank account, and obtained a Prepaid card, all this before even deciding on IVA...all thanks to the Forum. I have been fortunate that I did not receive many calls from my Creditors, but have to say the ones that I did decide to answer were actually nice people at the end of the phone, once I had explained that I was in the early stages of IVA process the calls stopped. I have had the odd letter from Creditors chasing for payment...but not to the extent of harassment that some of you on the Forum have endured.
My advice to anyone who is experiencing difficulty with debts, is not to bury your head in the sand, this just makes the situation worse. Face it head on, and please read everyones experiences and advice on the Forum before deciding which route to take.
I would like to wish everyone on the Forum a BIG thank you...not sure how the Meeting is going to pan out today, but without your help I would not have even got this far. xx