Although we're only 2 - 3 months into our IVA, so still in the 'honeymoon period' I have to agree with Skippy, the IVA is a far better prospect than continuing as we were. Pre IVA we were paying a total of almost £1400 per month over to debt, each month around £1250 was added back on as interest. If...

How long after having an IVA accepted until you appear on the register?

We were accepted on 24-2-12 and as yet we don't feature.

I can only say good things about GT too. Each time i've called with a query relating to our situation their answer and help was almost immediate. We've now paid our second payment (our first by direct debit) and even sent an extra payment from our surplus income too. People should remember that Brit...

I've assumed that the car loan was taken over a 5 year period? If so, i've calculated a flat rate of 15% so an APR of about 30%. Which indicates one of two things; a) you had payment protection included within your payments, or b) you were screwed on the rate. If you still have it, take a look at yo...

from how I understand it, a full and final offer should be about as much as you owe to the IVA, e.g if you have 10 payments of £100 outstanding, then an f&f offer should be about £1000. You may be able to offer slightly less. Be sure to make it clear that the offer of funds by your parents will be w...

Dinky, I'm gonna make an assumption that you're car is reasonably old, due to its having 'given up the ghost'. So here's a few sugestions which may help. 1) Service: Realisticly speaking, a service on an older car is simply changing a few bits. Is it possible you could do this yourself (or have a fr...

As has already been said, you've already taken the hardest step by asking for help. Ask as many questions as you like on here, myself and the other members will never tire of answering questions from newbies like yourself. Have a read through the blogs too, thery're a good source of information on h...

from what I understand, creditors will try allsorts to gleen money from you in the beginning of the IVA, to try and increase their p/£ dividend. We have a car finance company trying to trick us into a voluntary termination so that they obtain almost £8000. Send the letters to your IP and then file t...

Not long to go now, grab a cuppa and relax... the rest of your life is about to begin.

Good Luck!

Thanks for all of your feedback folks. Foggy, believe it or not... I well up everytime I read it too. I wrote that 2 days after running the marathon and the emotion of the day just comes flooding back. If anyone ever feels like humanity is going to s**t, make a trip to London to watch the marathon, ...

Thanks for the support.

I've uploaded to post... grab a drink and enjoy!

DK

Hiya Folks, I've just uploaded a new blog post but have a question... As those who have read it will know, i'm running in the London Marathon next month. I ran it last year, my first ever marathon having previously been a slob. During my training I kept a blog which ended with an account of marathon...

Good Luck

DK

Good Luck MrsR, and to you too Hyperdrive.

DK

Good luck from me too. We had 53k debts and offered £238 per month which is about the same dividend as you are offering, our proposal was accepted just this week.

DK