Anyway, thanks to all for your advice. I must say goodbye before my family think i am ignoring them.

Thats why i went with Melanie Giles as some other IPs said they would find it difficult with NR. I was assured by MG that NR is not a problem for them. The only issue is that NR might want a 6 yr IVA. The way i see it, what diffrence is there by adding another 12 months if you can get a new start in...

What gave it away? The together bit Yes it is!

I have a together mortgage ....I had to make my payment tonight but did not pay unsecured part of the loan. I was asked why I was short paying and had no choice but to tell them I am entering into an IVA. I hope I did the right thing!!!

My IVA has yet to be approved(god i hope so!) But maybe the creditors will haddle ( Hope thats spelt right) over the IP fees I am just at the beginning...my creditor letters go out at the end of this week. Heres hoping with all fingers and toes crossed that it goes smoothly otherwise I am stuffed!!...

Nice one, I think I might try and give wrong details. The problem I have is that "we" have over 15 creditors...I am in for a hard time I guess.

ivas4us wrote:

And I feel even happier knowing mine are less still.

Thanks for that!!!!

On another note i see you are two months into your IVA. While it was going through did you get all your creditors call you? What did you say to them?

tamzin wrote:

Just checked my IP fees and they are £3000
So maybe £2500 not that bad[;)]

Thanks...I feel so much better knowing mine is less. I guess there is no set fees.

They offered my husband b/r only b/r. Thus those coys offered acceptable no solution to our problems. Further, a major creditor with whom we have a joint debt described Melanie to me as an honourable IP and gave that as the reason why they helped me considerably. Both my husband and I have said we ...

Not sure my letter just says....Not exceed £2500 plus VAT.

ELV5 - I would be concerned if my husband was with another woman LOL

Thanks to both of you....I will confirm with them tomorrow. I saw the letter and thought my debt problems were about to get worse.

Anyway, Thanks again. A huge relieve..

Hi, Looking for some advice... Just received my letter from IVA advice Bureau and under fees it says.... the fee for acting as a nominee will not exceed £2500 plus VAT. I am in a panic and cant get hold of anyone as it is after hours. Does anyone know what this means??? Will I need to pay a fee for ...

Thanks to all .....Your advice has been useful. [:)]

Hi Melanie,
I have just filled out your enquiry form on your website.
I was told that Northern Rock can be difficult. Hopefully you will see my form soon.

Hi, How do you know if you are using the right IVA company? I got my paperwork today and not sure if I am with the right company or are they just going to take my first two payments. I dont want to loose my house if we get rejected by companies such as Northern Rock where I have my morgage and a uns...