I have stopped the direct debits
Just hope the iva gets approved before the bailiffs arrive

Thank you for advice

So it wont look bad if i just dont tell them and just stop paying
Will it make any difference?

Yes i have taken my contact number off the online accounts.
Im just thinking it will look bad if i just stop paying them without telling them if you know what i mean

I have started my process of an iva i have given all my documentaion in just waiting for the proposal. In the meantime im just wondering shall i ring all my creditors and see if i should make a token payment or ask for a abit of a grace period?

I think ill be on here every day until it gets approved asking you all the random questions that i will have

Thank u so much for your advice everyone.
Decided to go with mccambridge duffy. Wish me luck

Yes that is what i was thinking, wait untill atleast i know what is happening with the proposal. I might just wait an see how i get on in the next couple of weeks an keep the payments upto date as much as i can.
Also wanted to ask has anyone been witu RE10 are they a good company?

Rang a few different companies and gettin alot of different information from all of them. Wanted to ask everyone on here. What advice would you give in reagrds to paying the minimum payments to my creditors now till my iva gets accepted. Should i stop paying them all together or shall i pay a token ...

I gave them a call and they were very helpful indeed. I am going to get in touch with them in the morning and go over all the details.
Halifax
Barclaycard
Natwest
Aqua
Capital one
Mbna
Very catalogue
Next catalogue


These are all my creditors, are there any in the list that would object to an iva

Thank u
I will give a mccambridge duffy a call and see what they say.

Also in the fifth year of an iva has anyon been been forced to remortgage to release equity?

Thank you very much for your reply. I have been informed by them as i have a joint mortgage and not enough equity in my property they wouldnt do that. Also as my rating is at the lowest it can be no one would offer me a secured loan. Should i try mccambridge duffy as alot of people have had good exp...

Now sure which ip to go with. I have been in touch with Anchorage Chambers they have helped me alot and gave good advice. Just wanted to see if anyone else has used this company