good for you .. you are not receiving any phonecalls or letters anymore .. mine was accepted last month .. but still receiving some calls and letters ...

you said ... its very high .. what is the ratio in a pound ?????

hope the phone call will stop.. the most embarrassing experienced during my application for iva is when i'll go to work (regular nightshift as i'm a nurse )then my colleague will tell me a certain bank called .. (like the hsbc and halifax )i fell like i want to die or go home ... hehehehe ...whewww ...

your application for ILR will just take around 4weeks then your doc. and passport will be return to you ..applying for an iva would take around 2-3months to complete mine was 4months ...so my point is you r ILR stamp or passport doc. will be with you soon and you are just starting to apply ....by th...

thanks......

my iva was accepted .. melanie's team was superb ... 60 months to go ... also this furom is been a big help to me emotionaly .. to think i was not the only one in the boat ...

thanks .. actually i emailed angela twice about this but no answer ...as she mentioned to me before that somebody will give me a ring an explain this things .. but anyway thanks .. i'm free anytime tomorrw

melanie .. you,re still awake ???? how do you know ???? can,t believe ....

hi .. creditors meeting for my iva will be on may 28th ..though i received some documents explaining everything about it i still have some questions that needs to be answered especially the equity release ...the proposal offer is £560 per month(hoping no mod)46p/£.. my questions is ..if there will b...

hi ..i'm in the process of iva (a/w creditors meeting),my concern is will my lodger/housemate be affected regarding his credit rating/scores as he lives in my house.....

i did ask sort of something like that , a while ago under this topic(page 1) ,that it will be included in the form of bancruptcy...so i guess there will be no shortfall...is this right .. ?? ???tnx

hi ,thanks andy but i'm sorry if iask another question .....here it goes...what if your house was repossesd but was not bancrupt ... then you will be liable in case of negative equity or mortgage shortfall??? how are you going to pay them ???? is it monthly ....tnx

just want to ask .... in releated to this topic ...if you were made or declared bancrupt and you handed back the keys or house to your mortgage lender ,will you still be liable to pay for the negative equity or mortgage shortfalls like after the lender sold the house to ex .auction or private indivi...

hi ..when did you send all the necessary doc./ forms papers to you ip .... mine i sent around 3 weeks already but havent heard anything yet from my ip ...

hi ..fusion .. how long did it take your iva to process ...tnx ..