Hi James, Oliver Thank you for your responses. I am not with high street lender at the moment but with GMAC. As we had to re-mortgage to get the IVA all the debt was still showing and my husband is self employed so we had to self cert the normal lenders would not have loaned. We used Charcol last ti...

Hi Can I add a question to Tammy's my IVA was a full and final settlement one. It was taken out May 05 and ended May 06, will this stay on my credit file until May 2011 but show as settled. I have recently sent for my credit file and its still on showing as still 'live' I am in the middle of getting...

Hi H-C This is the type of IVA that I did although we re-mortagaged. My creditors received a one off payment of 39p in the £. The higher mortgage payment left no disposable income and the IVA was completed in 12 months. It should have been 6, but the inland revenue were involved and wanted another c...

Great News and a great start to the New Year for you

Hi Kerri You are having a hell of a time at the moment I really feel for you. My IVA was accepted and I received what amounted to minutes of the creditors meeting showing who had voted yes/no, who had not voted and any notes or amendments the creditors wanted. I am sure you should be able to insist ...

Wishing you all a good xmas and a healthy and happy 2007.
Dominic your Christmas sounds fantastic, hope you enjoy Melvin

You and your family are in my thoughts and prayers Lily, take care

I agree if they cannot be bothered to vote it should be taken as a yes, maybe it would be a good idea to bring in no vote no money!! if they can't be bothered to fax or pick up a phone then they obviously don't care whether or not the get any money back. KMPG did'nt vote in Andreas if I remember cor...

Dont worry too much over the default letters I had hundreds of them, also three companies were going for CCJ with me but used the 28 day hold off and by that time the IVA proposal had been sent out. Also had a spotty herbet sent by Egg turn up after the IVA had gone through just told him to b*g*er o...

I also went with Grant Thornton on the advise of my local CAB debt management team. They are in Belfast and the telephone number is 0289 031 5500. The name of the gentleman who did our IVA was Michael Peacock. I had also had info from Debt Free but I was'nt really comfortable with dealing with peopl...

Hi I used Grant Thornton too, they were recommended by my local CAB debt advise. They were excellent and they have an extremely good IVA approval rate. My IVA did take much longer than Bluebelles nearly 6 months in all to set up because we remortgaged first and did a lump sum IVA, and it was probele...

Hi Welshlass, the first time I heard about IVA's was from Debt Free Direct and I found them very sympathetic and they explained everything to me. However, within 48 hours of speaking to them my circumstances changed drastically and I went to my local CAB and they recommended another company Grant Th...

Hi Andrea Who is dealing with your IVA? I can remember when our was going through asking what would happen if there were no votes or not enough votes and being told that was what my IP was getting his fee for, not just for filling in forms but for negotiating with and influencing creditors when thin...

Kezza I always met with my IP face to face it was much better. I also had his direct mobile as well as office no in case I needed to have a panic attack and wanted reassuring

Congratulations, New Year new start