Hi Andy

Thanks for reply. I'm just wondering if they would expect to be paid at 100p in the £ or would let us make offer for full and final settlement as obviously we need as much of the lump sum as possible to live on?

What is an MVM?

What is a spotty letter?

I was absolutely horrified to read this post. Everyone knows how stressful this process is but I was beginning to feel that life might get back to normal (or better than recent normal anyway) and now this. We opened a cashminder account with the co op in preparation for the iva not only on the recom...

Good Luck Mel- wish I had seen this forum before I started the whole process- would definitely have gone with you- no real complaints (yet) but no real support either-Hope you win!

Thanks Foggy and Lesley I know you're right its just a panic thing. I will send it back tomorrow.

I applied for a vanquis credit card months ago before commencing the IVA process. They have emailed, texted and called me constantly and I've mostly ignored their calls but emailed them to tell them I did not want the card. I continued to get emails saying if they couldnt speak to me I may be declin...

Thanks so much for all the feedback. Grant Thornton told me that they would be sending a copy of the proposal to RCI who our HP is with at the same time as our creditors.I assume that they know we are in an IVA so hope therefore that the longer we dont hear the better. I had phoned RCI on an info on...

Hi yes I understand that but cant get why Christabelle sparkles Hp company waited until she was a year into her IVA before they repossessed her car or have I misunderstood that?

Hi thanks for your reply but can I just ask why it was a year later that you lost your car? I was under the impression that if they were going to repossess they would do so fairly quickly and I'm just dreading the letter on the mat as we still have this horrible uncertainty. Our IVA was approved tod...

Hi I have just seen this topic. Our creditors meeting is tomorrow and I am having sleepless nights waiting to hear if RCI will let us keep our car.We havent heard anything from them yet but I have palpatations everytime the post drops on the mat. Do you happen to know their current policy Melanie?

my creditors meeting is thursday and my nerves are shredded...wish it was a month from here

well done- our creditors meeting is thursday and my nerves are shredded. looking forward to the first nights sleep in months if approved !!

hi i know exactly how you feel i was absolutely terrified of the whole process and am still at the stage of getting 15 phonecalls a day but to be honest i dont answer i just google who calls me from that number and block it on my mobile. our creditors meeting has been set for 20th june (the day afte...

Thank You I would really appreciate any input and I have my proposal (arrived friday) which I need to return asap as I'm at the horrible stage of letters, emails and telephone calls from creditors. I think I'm happy with the proposal but I'm off work tomorrow and I'm going to go through it with a fi...