melanie thanks i have taken advise on debt management and the figures came up with £800 per month i spoke to myveesta and they advised that an iva was the best option for me and put me through to grant thornton. i have sent my details across to you for you to look at if you still think an iva is not...

hi melanie

creditors are barclays bank (two loans and overdraft) barclay card credit card and egg also mbna

think i need to rethink advise

jonesy

hi louise

good luck with your iva
i am just about to start the proces with grant thornton are they any good have you good reports to write back about them


jonesy

jonesy

can any one advise what one should put other
i am going to be honest about my reason but wanted to check that i am not missing anything need to build my case so its rock solid

thanks jonesy

jonesy

hi louise or anyone i am just about to start the process of looking to enter into an IVA with grant thornton. how did you find them? Do they have a no win no fee IVA charge. At the moment there figure to pay back each month is £615 i need to get this down to £450 / £500 can you or anyone recommend h...

hi anna

try the co-operative bank unless thats one of your creditors was easy to set up

try not to stress i am in the same boat as you
i am about to cancel direct debits tomorrow



jonesy

start with setting up the basics account with the co operative bank it usually takes about a week i had my paperwork yesterday and have to provide two pieces of id which i will take along tomorrow don't worry about the direct debits at the moment just make a list of the days they go out on and then ...

hi

yes i am paying into a personal pension and also have a medical beneift which reduces my tax free allowance.

i will speak again to my advisor and if can not reduce the amount to £5OO will take other advice

jonesy

i think that i am going to get my down to £500 going to work with my figures again with my adviser i am just starting the process of writing the letters to my creditors to tell them i am in trouble and i am seeking prof advice very scarey i also am unusre when to cancel dd as my bank is one of my ma...

hello its seems that we are in the same boat i also have debts around £35,000 and take home £36,000 per annum. i have started the process of starting an iva with grant thornton i am also very scared by the process my iva repayment is coming out at £600 per month a debt managment was coming out highe...

thanks for the reply i think i need to talk to another expert as i am not sure if the advise i have been offered is right i take home roughly £1950 per month and with all the loan payments etc and rent i have more going out than in and have just started to miss one payment. i did consider a debt man...

thanks for you response and advise the iva consultant advised me that the iva was the best option as a debt management plan was not secure and my creditors could charge interest at any point at the moment i have more money going out than in and have started to miss payments. i have probably rushed i...

hello i am just about to start the process of tryng to enter into an iva my current debt is around £34,000 and my main creditors are barlcays and egg. i have reading up on iva's and have noticed that alot of iva's are being declined. can any one offer advice to ensure that mine is accepted. i have a...

hello i am 34k in debt and i am in the process of going down the iva road with grant thornton i have five creditors the main two are barclays and egg. after my calculation and in agreement with grant thorton i have around £600 to offer as an iva payment. i about to start getting my paperwork togethe...

hello i am 34k in debt and i am in the process of going down the iva road with grant thornton i have five creditors the main two are barclays and egg. after my calculation and in agreement with grant thorton i have around £600 to offer as an iva payment. i about to start getting my paperwork togethe...