My IVA Company has now got all of my paperwork and they have sent it off for my proposal to be drafted, if I do contact my creditors and ask them for a settlement figure will this affect the Creditors Decision if I do decide to go with the IVA, Do you think that I should speak to the IVA Company fir...

I am currently in communication with a company with regards to setting up an IVA, I am around £18,000 in debt to about 12 creditors and most of my debts are quite advance (They have been pased onto Debt Collectors etc) I have only just this week plucked up the courage to admit to my parents just how...

Hi all, I posted the other day to say that I had been having problems wth Accuma, I just wanted to say that I have since spoken to two very helpful gentlemen at Accuma who have cleared everything up for me and we are now trying to get everything sorted out, it seems the problems came from the Lady w...

Hi all, I have applied for an IVA with Accuma, but I have had a really hard time with them, I Originally sent off all of my documentation and they contacted me to say that they needed some more so I then sent that off to them, When I rang to check that had received it i asked the lady that I spoke t...

I sent all of my remaining documents and paperwork off to Accuma Two Weeks ago and I know that they have recieved it because I needed one of the items returning and I received it back two days later, I have not heard anything from them since, Is this is normal or should I ring them and see how every...

The Car is worth around six thousand pounds,How long can you get bank statements for, because his bank statement will show the money going in and being paid to the car showroom but it was last July, do you think that he will be able to get a statement that far back and do you think that this will be...

this is following on from my earlier topic in which people have warned me that Northern Rock are not accepting any IVA Proposals at the moment, I am really scared now, the reason why I do not want to petition for Bankruptcy is that my boyfriends car is in my name, it is not on HP, He got a loan to p...

Hi Andy

My IP is proposing to offer 45p in the £,

Hi Coco,

My proposal will be a dividend of 45p, My IP has told me that Northern Rock will not accept anything less, if they don't accept my proposal my only other option will be to petition for Bankruptcy as I have let everything get too far out of hand to keep up with the payments in any other way.

Hi all, This is my first post on the forum, I have been reading everyone elses for a couple of weeks now and it has given me great strength in the fact that i am not alone, I am 26 Years Old and I owe around 17,000 and have applied for an IVA with Accuma, I filled in all of the paperwork and hopeful...