thankyou melani and micheal! i will talk to our car finance comp tomarrow, let them know their repayment is allowed as expence in iva and hear what they have to say if all ok...i will post back my signed proposals and cross my fingers for a good result! thanks to all also who replied your input has ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lem I think you need to speak with nissan urgently especially as you have only taken the finance a month or so ago, I don't know if this will have any influence on their decision or not but you definit...

hi micheal..its nissan car finance, hope someone out there has been through the same and the outcome is good. micheal maybe its because this is car finance at the beginning as we only purchased the car in june? you see our old car was 12 years old and had packed in, so we had to look for finance to ...

micheal should my ip be doing this for us? confused...is it normal for them to ask us to do this now after they have sent out our proposals?

hi there and thanks for your replies. i have contacted my ip today she said ...its just a procedure most do not repossess however they still need confirmation from us. as we contact them let them know we may be enetering an iva and that the finance payments will not be affected by this...hopefully t...

hi all...just got our proposal from my ip...can anyone help me with this one. my proposal states that i need to contact my car finance and get their confirmation they will not repossess the car if i enter into an iva. now the car payments are allowed on my iva so it wont be included. has anyone else...

thanks will do that..thanks again[:)]

thankyou melanie and julie..i didnt know where to turn and admit to being really vulnerable...so funny as i have been with this particular company for many many years with no problems at all in fact they couldnt give me enough credit, and them bang right outa the blue when i fail to fully make one p...

hi there, i am in the process of getting an iva. today i got a call from a catalogue company ( very) asking was i ready to make a payment including last months arrears, to which i politely replied that i had spoken to someone the last time about not being finantially in a position to make full payme...

thanks for that niobe...hopefully it wont take too long. so glad i found this site..its really nice to be able to talk about it![:)]

hi there all...can anyone give me an idea of how long it can take from signed proposal to iva accepted?[:)]

after reading your quote i realise that the lowest individual acceptable payment is 100 pound so we will be paying 200 a month but thats for both of us ...[:)] font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ and another thing to consider is i...

hey thanks for all your replies. however on reading some of the other posts i now realise that as its both me and my husband they are proposing 100 pound each on iva so i think that while it will be really tight 200 a month, it really is the only way to eventual debt freedom...and so i think they ar...

thankyou all soo much...just want to say its soo refreshing to be able to talk to other people and ask questions. this is a really big step and an admittance that i have been in denial about my lifestyle and dependency on credit. again thank you all for your advice. i will certainly not jst sign bec...

hi there...please can anyone help! i am at step 3 with payplan, and they say that they are drawing up a proposal for £200 a month payment on debts of 34000. however on checking my outgoings and incomings this is gonna be very tight indeed as they have not allowed for things such as repairs heating. ...