please ease my mind

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karen.w

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Post by karen.w » Sun May 18, 2008 6:55 am
I am starting an IVA application and am very stressed over it. I can't stop worrying about the fact most of the work is being done by telephone. Is there anything that anybody can tell me to ease my mind please?
 
 

goulda

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Post by goulda » Sun May 18, 2008 7:45 am
I was like you at first - take it in your stride it is not as bad as it seems - I am two years into mine have encountered no problems. I am sure there are several others like me will comfort and reassure you
A. G. Gould
 
 

Adam Davies

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Post by Adam Davies » Sun May 18, 2008 8:03 am
Hi
Why not use a company that offer a face to face meeting with the IP.
It is well worth taking a day off and meeting your actual IP.Going into an IVA is a life changing experience,well worth taking time to research and meet your IP
Regards
Andam Davies
 
 

cat 1

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Post by cat 1 » Sun May 18, 2008 8:11 am
Morning Karen,
I had exactly those anxieties-all the coorespondance was over the telehone.It all worked ok for me.The whole process is extremley anxiety provoking I found.Such trauma involved.However, when you've reached the 'point of no return' it's trauma anyway.Andy's right.You could speak to someone face to face.If I would have found this site before my IVA I think I would have gone with Melanie.She sounds so down to earth, safe, non judgemental.However, my company are good so far.No complaints.I would just keep taking advise and posting on here as there is lots of experience, both professinal and personal that you can utalize.Good luck.Cat
 
 

angela18

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Post by angela18 » Sun May 18, 2008 8:56 am
we are with Melanie in our IVA.. we have never met her and everything was arranged over the telephone.. She is in Wales, we are in North East. She and her team were great and were always there if you needed them. Even melanie by email at all hours!! They are always available now as well after IVA accepted.. give her a try couldn't recommend her highly enough. I think also Ian is an IP and he is in the Manchester area (correct me if I'm wrong Ian)
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
 
 

cfnc

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Post by cfnc » Sun May 18, 2008 9:11 am
We have done our IVAs with a local firm and have face to face meetings and phone meeteing, I find them both as stressful, I think it is just the process but it does get better.

As others have said try looking for a local firm that you could meet in person if that would make you feel better.

Kirsty
Kirsty
 
 

Martin2011

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Post by Martin2011 » Sun May 18, 2008 10:25 am
Hi Karen... I think as everyone has said, it's pretty sressful at the set up stage, almost however you do it. F2F meeting with IP as Andy suggests is a good idea if practical as you have a greater opportunity to ask questions and get to understand the process as it will apply to you....also, IVA is an important financial commitmewnt and to feel you have 'a relationship' with the most important person in it (other than yourself) probably helps.

Having siad all of that, like CAT, I didn't take that opportunity initially and yet despite the stress of phones conversations etc, it all went ok and so far, touch wood, the arrangements working well. Just look for an IP you feel comfortable with, i.e., is easilly accessible and provides answers to your questions and useful information in a way that works for you.... there's loads of IP's out there, though I've yet to hear of any with a reputation as good as Melanie Giles...

Best of luck and hand in there....however you do it, I'm sure everyone would agree it's a positive step and one you won't regret...especially in 5 years time...

Martin
 
 

MelanieGiles

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Post by MelanieGiles » Sun May 18, 2008 10:28 am
I would seriously recommend a face to face meeting with your IP every time - although a lot of my clients seem to be happy with telephone contact. If it means a day off work and a train fare, this could be the best bit of money you might spend in the whole process, alternatively pick up the Yellow Pages and find a local IP who you can drop in on if you need to at any time.
Regards, Melanie Giles, Insolvency Practitioner
 
 

TheMatrix

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Post by TheMatrix » Sun May 18, 2008 10:39 am
My IVA was set up by phone, email and post. Best thing I've done to sort out my debt problem and the thought of the light getting brighter at the end of a dark 5 year tunnel is what is keeping me going.
Last edited by TheMatrix on Sun May 18, 2008 10:40 am, edited 1 time in total.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
 
 

karen.w

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Post by karen.w » Tue May 20, 2008 7:28 pm
I would just like to thank everyone who replied to my question, I'm still stressed to bits but it makes it a bit easier knowing that there are other people who've experienced the same thing and came through it.
 
 

Kazzy E

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Post by Kazzy E » Tue May 20, 2008 7:38 pm
Hi Karen, I have recently started going through my IVA and have taken all the advice on this site and have gone with Melanie. My initial contact with Melanie's colleague was very satisfying as she explained the whole procedure in very plain terms and was completely non-judgemental. I have today spoken to Angela also, who is looking after my case and she was excellent also. All contact has been done either via 'phone, email or this forum and I have found it second to none. I know what you mean about F2F meetings though. I feel that maybe when I have received my proposal, I may make an appointment at that stage just to 'see' who is looking after my 5 year committment but I am sure even if I don't, everything will be dealt with with utmost professionalism. Well done to you Melanie and your team. Kazzy
There is light at the end of that dark tunnel. Promise.

Visit my blog at: http://kazzy.blogs.iva.co.uk/
 
 

MelanieGiles

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Post by MelanieGiles » Tue May 20, 2008 9:08 pm
You will be made very welcome Kazzy, as we do like to meet our clients too. I would certainly not part with money over a 5 year period without meeting the people I was handing it over to, but everyone has their own priorities.
Regards, Melanie Giles, Insolvency Practitioner
 
 

Kazzy E

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Post by Kazzy E » Tue May 20, 2008 9:59 pm
Thanks Melanie, thats really nice. The last time I came to Wales was to pick up my 9 wk old Welsh Terrier, that was three yrs ago :)
There is light at the end of that dark tunnel. Promise.

Visit my blog at: http://kazzy.blogs.iva.co.uk/
 
 

MelanieGiles

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Post by MelanieGiles » Tue May 20, 2008 10:42 pm
Oh - do make sure that you bring some photos. I have a 14 year old Yorkie who is my pride and joy. Can't picture what a Welsh Terrier looks like, but I'm going to have a look on Google now! I love dogs!
Regards, Melanie Giles, Insolvency Practitioner
 
 

Kazzy E

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Post by Kazzy E » Tue May 20, 2008 10:46 pm
[:)] Think of an Airdale Terrier, quite tall black & tan with a 'square' bearded face, then cut the legs in half, you have a Welshie! That description was of the dog, not me [:D] Kazzy
There is light at the end of that dark tunnel. Promise.

Visit my blog at: http://kazzy.blogs.iva.co.uk/
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