I need to consider an iva My unsecured debts total approximately 90K including 1 credit card, 1 loan,1 vehicle hire company and the majority to HMRC for a personal vat liability . I have an approximate disposable income of £600-£700 per Month and have moved home to my Parents to try and sort my li...

best way out???
can anyone advise if its possible to offer a full and final over a period of time[3,6or 9 months]if so what sort of percentage to debt should be offered?

andy, a friend of mine is happy to pay one of the creditors who rejected a full and final figure. can i do this? as the way i understand it is that if this creditor is out the way when my iva proposals are put forward again in two weeks ,the iva will be accepted even if hmrc reject again as i will o...

hi, it was rejected because it never reach the 75% approval rate. i spoke to my ip friday and they said they wont be contacting any creditors on my behalf as they are not allowed to do so. therfore i contacted one of the creditors who didnt vote at all and suggested that they for acceptance next tim...

thanks for replies. no they havnt said to me that they are contacting any creditors for me. i thought about ringing one of them and explaining that i think it would be a good idea to provide an approval vote rather than an acceptance of an amount owed which is classed as a non vote. im self employed...

iva creditors meeting. ive just had the terrible news of my iva being rejected by only having 63% of value of debt approval where 75%is required. please can someone advise me if it would be acceptable to use a family friends offer of clearing one of the creditors who refused at the iva meeting which...

thankyou melanie,
helpful as always, ill get in contact with them.

PARTNER JOINT DEBT. hi all, im having my iva proposal drawn up within a week and ive included all my creditors. however one of these creditors is a joint debt with my partner. this creditor has been included in my proposal,however my partner is being chased for the debt.What are her options and how ...

just thought id share with you all what my user name is an abbreviation of
T ogether
E veryone
A chieves
M ore.
like all of us on here eh???

superb news.
i so hope im in that late 90s percentage of approvals. thankyou all

IVA APPROVAL PERCENTAGE???
HI ALL,
CAN SOMEONE PLEASE ADVISE ON THE PERCENTAGE OF PROPOSALS PUT FORWARD THAT ARE APPROVED??? JUST HAVING MY PROPOSAL DRAWN UP NOW BY MY IP WITH A CREDITORS MEETING PLANNED FOR OCTOBER AND TRYING TO BELIEVE IT WILL BE ACCEPTED.

thankyou all very much once again.

thankyou all for your responses, and my gut instinct was not to pay them.however i paid them a small amount as i didnt want anyone upsetting myn wife while im at work.
will this affect my iva proposal as i havnt made token payments to other creditors???

HI, DOOR STEP COLLECTIONS. HI IVE PROVIDED MY IP WITH ALL THE SIGNED AND NECESSARY DOCS FOR IVA APPLICATION , HOWEVER MERCERS[A COLLECTOR FOR BARCLAYCARD] HAVE BEEN CALLING REQUESTING STALLING PAYMENTS, WHILE MY IVA GETS APPROVED , TO PREVENT DOOR STEP COLLECTORS, SOMETHING WHICH DOESNT BOTHER ME AT...

thankyou all