Vicki...it is up to you who you tell. My IVA was approved in Nov. the only people that know are obviosuly my debt man company, my IP and creditors...no one else knows.

Yes...I have a basic with the Abbey....i had no problems getting an account...but i did open it just before i started to get into arrears and stuff and before i started my IVA process...but it does say on their website that it is for people with a 'poor credit record'. You get internet banking with ...

Hi Ruby, All i can say is that there seems to be no consistency regarding creditor voting, creditors hassling you and IPs. I was worried about Lloyds Tsb (owe £29K) who were my biggest creditor (approx 45%) so i did need their yes vote. I had seen conflicting stories on here about them which made me...

Hi Ruby, Yes keep Sky in or account for it in some other way!...my IVA was approved in Nov and i still have Sky (sky+) and AOL. When my draft proposal was done by my IP on my monthly expenses they had put Telephone = £45. It is normally only between £12-£15 per month. Being honest I queried this wit...

Hi everyone..firstly Happy New Year. I may be away mid Jan early Feb. I have recently met someone who wants to whisk me away somewhere hot and sunny...and pay for it all! I have said no ...it's a pride thing...never had anyone pay for me to do anything really (well except for my creditors lol)...so ...

Maya, 3 months and you have only just been approached by an IP...that is absolutely disgusting! Neverending is right...you have already paid a significant amount of money to them and therefore ideally you will need to stick with them unless you are prepaired to loose the money you have already paid....

Maya,

Who is your IP company?...3 months is a while to wait unless your case is complicated. Has your IP drafted your IVA proposal yet? Have you paid any upfront fees yet?

Hi i am glad you feel more relieved now. Like i said above Capital One sent me a deafult notice and i freaked out because it went on about bankruptcy and contacting a solicitor etc.....but it was just a formality, they voted yes to the IVA. I was offering 29p to £ and had 8 creditors (total debt £64...

Sorry another reassuring thing i meant to say was....IPs would not waste their resources on putting your IVA proposal through unless they thought you stood a good chance of getting it approved.

Hi Lessie, My IVA was approved in Nov. A week before the meeting i received a default notice from Capital one...in there it went on about bankruptcy etc (is that what you have a default notice or something else?). Like you I panicked but was told to relax as it is just a formality...it is an automat...

Yeah i would really like to help people as well through this difficult period in their life. Like Dominic I just couldn't speak to any family or friends about this...it was a really stressful time in my life..even now nobody knows but now my IVA is sorted i am absolutely fine and have always got peo...

I owe lloyds £29K and they voted yes by postal vote (well KPMG did on their behalf). It just gets to me why there is no consistency in approach with this whole IVA process, both from an IP perspective and a creditor perspective. It is a real shame for you and your family that this can't be sorted ou...

Steve, My meeting was at 3.30 and my IP phoned at 3.45 to confirm that it had been approved. 6 out of my 8 creditors voted by post. Little tip for you that may be worth doing...if you have an afternoon meeting...phone you IP in the morning to clarify what would happen and when you will know. i did t...

Hi Lily,

I am really lost for words. I really don't know what to say except how sorry i am to hear your news...i am really tearful just typing this message to you. My heart really goes out to you and your little ones.

Take care

Bluebelle
xx

Flashingblade, I went with Myvesta. The IP they referred me to was Grant Thorton. From the day i called Myvesta my IVA was approved at a creditors meeting in just under 6 weeks. I only paid one upfront payment and that is classed as my first IVA payment (or i can use the upfront payment as a buffer ...