We have been pestered none stop even yesterday we received about 8 calls plus someone turned up at our house this morning. Try not to worry (I can now say that with some confidence). I was really surprised ours was agreed as only 12p in the pound but this is honestly what we can afford. They did sto...

Luckily my IVA was approved [:)] with only a few modifications - Northern Rock asked for the IVA over 72 months which apparently is becoming quite common. Strangely all of the creditors voted which surprised me and all said yes! Thanks for all of the encouraging messages today I haven't felt so nerv...

Hi Molly I've just had my IVA approved today all of the creditors said yes which was amazing as we could only offer around 12p per £. Good luck tomorrow I know how you are feeling as I thought I was going to throw up today!!!

Just phoned and they said that the team that deals with the creditors meetings are still in my file. Does this sound bad news?

Has anyone else had a failed IVA?

My creditors meeting is taking place now and i am so nervous I could be sick!!! It started at 1pm - should I have heard by now? We are only offering 12p in the pound is this likely to be accepted - we are with Varnell Nuttall. Any advice to stop me jumping out of the top window would be appreciated.

I wonder if anyone can help I am currently going through the process of putting an IVA in place and have some queries on what budget you are allowed for what. We are a family of 4, have 2 dogs and we have been allocated a weekly budget of £109 for food including dog food. My children are still in na...

I am just pulling together my IVA proposal and would like to understand the level of contribution which I have to make available. Currently I am proposing to repay approximately 28p in the pound - is this too low? Also can you confirm when the direct debit for the IVA needs to be set up. I am findin...