I cant believe that 8 months had passed since my IVA was approved. My first year audit is nearly up, I am getting a bit nervous, as I am not sure what my IP would say when I present all the documents required. As I do not want to go overdraft, I always make sure that there is some money left in my a...

Hi! Louise,I was in your shoes a month ago, I know exactly how you feel. Stay positive, I'm sure everything will be ok. Good luck!

Advice taken, thank you. I will set this extra money aside, I have a jar ready! Im so looking forward to a debt free future!

I'm so relieved that my IVA has been accepted! This forum has been a great help, thank you guys for all the words of encouragement. First payment will be in 5 weeks time, since I have stopped paying all my creditors whilst my IVA was in the process of being approved, I have extra money left, is it o...

What are the chances of an IVA being declined by the creditors? I'm feeling nervous now, two weeks to go before the meeting. Everything went on smoothly when I sent all the documents to the company dealing with it. In fact, it was so straightforward, which makes we wonder, if that is the norm. I'm u...

my mistake, yes,it was an introductory pack sent to me. I'm definitely having second thoughts about this company, as I don't have the extra money to pay them. It sounds like a proposal to an IP who will then write a proposal for an IVA. There are many good IP firms that will not charge you a penny t...

Hi Mia and welcome. Can I ask which company you have approached? You would not get a draft proposal after two days as you need to send off statements for all of your debts. Is it just an introductory pack? You don't have to pay upfront if you don't want to, there are companies who don't do that. I ...

Do all IVA company charge Instruction Fees? After many months of giving it a thought, I finally took the courage to ring an IVA company, the debt adviser was really good and helpful. Two days later, I was sent a draft proposal to look at. It's daunting to go through the process, I may say, with all ...

One of my creditors is the bank where my salary is paid in, including standing orders, if I am to enter into IVA, is it wise to switch to another bank first? Which bank would you recommend? thanks!

I have been meaning to get some advice on how to manage my overwhelming debts but I don't know where and how to begin. I have a total debt of £50,000. I find it difficult to pay and having sleepless nights worrying. I have heard of this forum and has enlightened me a little, that there might be hop...