Melanie - Your reference to First Direct is interesting. I bank with First Direct but neither they or HSBC are creditors. Will there still be a problem with continued banking with them and how would they know if I do not use them for depositing IVA funds to?? I will planning on using my Barclays acc...

Thank you Melanie and again to Andy. As someone new to posting on this site, albeit one who has monitored it for a while, I can not stress enough how much the site has helped and reassured me. I would have no hesitation in recommending to anyone with a debt problem. Keepup the good work.

Thanks Melanie. Will ensure IP is aware of new creditor. If not picked up does that mean the debt is not covered by any IVA agreement, if approved and therefore I will to deal with this new creditor separately? Re:house purchase again thank you for your advice,problem I have is house has been on the...

Andy - Really sorry to have got your name wrong. Could blame the worry but no excuse cos everyone sonice on this forum

Dave – Thank you for your helpful advice. It is really appreciated and sorry to seek further clarification, just that it is such a worry and do not know what to do if proposal is not agreed. Anyway lets be positive and assume it is agreed. Can I just clarify. Is the new owner of the debt bound by th...

I am new to this site but have found it a tremendous source of support and help knowing I am not alone. Two elements to my query, my IP has drafted a full and final IVA and creditors meeting is later this month. Noticeable that phone calls have dried up since proposal sent out but I did receive a ca...