Hi Jonnyboyo, I can only go on my own experience and have been in my IVA for 4 months now. I agree with northernmonkey on only agreeing to what you can cope with. This is where finding a good IP comes into it, you don't want one who is going to change your expediture for a more favourable outcome. I...

Well Done Shazzy,

I'm 4 months into my IVA and it feels like a very long way to go...

Having just started out on the IVA journey, stories like yours give me some hope! Thanks, good luck and here's to a new life after IVA!

Hels

Hi All, Just wondered if anyone else saw the Tonight program this evening on ITV? Money Saving Expert Martin Lewis was teaching 14-15 year olds about personal finances and good debt/bad debt. The main thing they were looking at is the true cost of credit cards and their enthusiasm for the challenges...

Hi Poppy, Yes it will appear on the register and anyone can access it. If someone puts your name in google it will not show the entry in the register. This is something I had worried about but found info that said it didn't! My IVA is on the register now and of course I just had to check google! And...

Congratulations OW.

All the best, the countdown to a debt free future begins!

Hels

Good Luck for tomorrow remster!

Congrats Dawn!
Well Done

All the best for tomorrow Dawn.

Good Luck!

Hi All, My IVA has been accepted today. Modifications included increasing payments by £40 per month, so dividend is 61p instead of 58p in £. I feel a bit strange, the weight feels like it is still firmly on my shoulders! Anyway, I'm taking the dogs on a long walk now and hopefully everything will si...

Up until now I have kept it together pretty well, but the nerves and feelings of utter dread are here! [xx(] My Creditor's Meeting is tomorrow at 11:30, wish me luck! I'll keep you posted on my progress tomorrow, I just hope and pray it is good news. Thanks to all on the forum, I don't know what I w...

Hi, On the CCCS website there is a debt remedy form that you can fill in. I did this and found it really useful for working out what my disposal income was and what I could potentially offer my creditors per month after taking into account all of my living expenses. You do all of this online. It wil...

Hi Alan, I've opened an account with the co-operative bank and I have a visa debit card. From this site I also believe that Nationwide are a good one to try and also Think banking (think there is a monthly fee on this one). HSBC and First Direct are the ones to avoid. I think 3 creditors is the mini...

Well Done Sue!

The countdown to a debt free life begins.

All the best

Hi All, I have found the below link, which may be of use when dealing with creditors calls and letters. I have printed a copy out and will now keep it by the phone! Sainsbury's have been a nightmare for me and continue to call me 5 or 6 times a day so I am ready for them now! Good luck to everyone e...

This has cheered me up! Good on her! [:)] These people are a nightmare. I have a loan with Sainbury's Bank who are part of the same group. My creditors meeting is in 2 weeks and for the past few days they have phoned me about 4/5 times a day. Sometimes you answer and it just cuts off! As a understan...