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miffixxx

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Post by miffixxx » Thu Apr 05, 2012 9:47 am
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Hi
I am in the first stages of applying for IVA all info has been sent now waiting for a proposal (is that correct?) Is anyone else at this stage I need a friend !! [:(]
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kallis3

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Post by kallis3 » Thu Apr 05, 2012 9:51 am
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Hi and welcome.

We're,all friends,on here and you will find plenty of advice and support.

Sounds,as though you're well on the way. Make sure you read and thoroughly understand your proposal and don't be afraid to ask any questions.

Which company are you using?
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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emptyspaces

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Post by emptyspaces » Thu Apr 05, 2012 10:05 am
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yes i am no expert but u now just have to wait for proposal to come back to you it is a big document infact it is more like the size of a small magazine but dnt worry it should all make sence when u sit down and read it quietly and calmly.
"Since it cost a lot to win
and even more to lose
You and me bound to spend some time
wondring what to choose
Wait until your deal come round
Don't you let that deal go down"
Robert Hunter, Jerry Garcia 1971
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Shining

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Post by Shining » Thu Apr 05, 2012 12:59 pm
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Hi, we're all friends on here and some of us on Facebook and some we've met face to face, it's a great community to be a part of. Welcome and let us share your journey with you.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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miffixxx

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Post by miffixxx » Thu Apr 05, 2012 2:47 pm
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Thank you everyone
I started with DFD but as we are self employed we were passed over to Duff and Phelps solicitors.
Taken me a while to accept i needed help and have tried for 3 years to get on top of things but a nice visit from VAT man pushed me directly into action !!
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plasticdaft

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Post by plasticdaft » Thu Apr 05, 2012 3:32 pm
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Welcome to the forum Miffixxx,you will find plenty friendly chat on here and a lot of very good advice as well.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Struzzo39

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Post by Struzzo39 » Thu Apr 05, 2012 6:41 pm
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Hi and welcome to the forum from us xx
Steven & Debbie
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Isis Black

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Post by Isis Black » Wed Apr 18, 2012 7:36 pm
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hi there im a newbie too, been on our IVA for a year :-) stress will be reduced once its been accepted :-) xx
this time next year We'll be millionaires :-)
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Shining

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Post by Shining » Wed Apr 18, 2012 8:00 pm
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Welcome to you too and how are you finding your IVA, have you had your first annual review? x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Isis Black

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Post by Isis Black » Wed Apr 18, 2012 8:03 pm
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Me?
yes last month and all was fine and payments are staying the same :-) was a little stressed while we were waiting for the reply lol
this time next year We'll be millionaires :-)
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Shining

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Post by Shining » Wed Apr 18, 2012 8:25 pm
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Glad the review went well and yes you lol.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Isis Black

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Post by Isis Black » Wed Apr 18, 2012 8:26 pm
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hehehehe cheers :-)
this time next year We'll be millionaires :-)
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skintj

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Post by skintj » Sun Sep 16, 2012 11:56 am
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Morning, I am new too, only just got my paperwork together.I have done lots of research and hope I found a good company.I cant wait to be debt free.
I have a dh that gets stressed so more or ess doing this on my own even though its a joint iva.
Hope everyone is ok.
s j shrubb
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Niobe

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Post by Niobe » Sun Sep 16, 2012 12:00 pm
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Hi and welcome.

Which company are you using?
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skintj

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Post by skintj » Mon Sep 17, 2012 7:33 pm
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I was talking to money debt and credit but he was really pushy and wanted us to pay too much.I ended up with tudor kirk, so far so good.
SEnt of the paperwork today.
s j shrubb
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