Hi, I just want to let anyone considering using IP Suzanne Payne from Milner Boardman LLP know that I have had a great experience with them. From the beginning they have treated us kindly and sensitively. They successfully secured agreement on an interlocking f&f IVA for my husband and myself at a c...

I found that even after the creditors meeting had taken place that some of my creditors hadn't updated my record accordingly. I think it can take a few weeks in some places for the information to filter down to the customers services department etc. Ca you phone your IP first thing tomorrow morning ...

Good luck for tomorrow xx Its a strange feeling once you hear it's accepted! I hope the request for 6 years is out-voted

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by 12 months to go hi wild rose i think you are better to wait for the IVA to drop off your credit file before applying. Im pretty sure if it still shows but marked as completed , this will be flagged up ...

Just thought this might be useful for someone I opened 2 Nationwide current accounts prior to my F&F IVA and have used these for my wages and direct debits etc for the last couple of months. On applying I declined the offer of an overdraft and a credit card. I've just been on the phone to their cust...

Hi, You're going through the most difficult bit but try and focus on the fact that by the 3rd Oct you'll be on your way to getting it all sorted out. There is a light at the end of the tunnel x I had Barclaycard, Santander credit card and Next Directory from your list. Santander and Next didn't both...

Scrap my yearning for new towels. Yesterday evening my car wouldn't start! Managed to get it to the garage today so guess where my first payment will be going!! Oh well, I just thank my lucky stars it managed to get through this far, it's only 13 days until pay day but it's been making a funny noise...

Sounds like you've going through a really difficult time right now. 7 more days and I'm sure the f&f will be accepted and you can concentrate your time fully on the things that really matter - your family.

Sending over my best wishes x

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by tinks81 If you can easily repay the credit every month, why do you need it in the first place???? Am I missing something? I assume that if it's for fuel for a company car then he'll need to pay for fue...

( Group hug! )

oooo, Tina! Thanks for the tip. The 30th Sep will be my first pay day so lets hope the sale is for a couple of weeks yet. Coincidently it is also our wedding anniversary :-) If we have come through all of this ok I think we can achieve anything xx It's so nice to have feeling of hope and plans for t...

It's the thought of being able to buy normal things again sometime soon that has kept me going when I'm having a bad day. Don't get me wrong, I'm not going to go mad, it'll just be nice to be able to gradually replace all the stuff that is well past it's best. I don't think I'll ever sell at a car b...

What's the first things you'll do when you no longer have IVA repayments to make? I will take my car to the garage! Something's been wrong for the last few weeks but I've had no money to take it to be looked at. Ill go to the dentist for a checkup lol And rather randomly I'd really like some new tow...

That's great news hubert! The start of a new beginning xx Good luck Luigi, I'll be thinking about you x Just received confirmation from my IP that TIX have voted on behalf of NRAM (my majority voter), Santander credit card, Lloyds and Halifax - they have voted in favour! A day early as well! The onl...

Hi all, My creditors meeting is scheduled to take place at 11am on 29th August. I'm so anxious! Only god knows what would happen if it's not agreed [xx(] My IP has confirmed they have today received one of the votes already! Apparently Barclaycard have voted in favour - YEY! They aren't the majority...