great news!

Ruby[:)]

thanks everyone.

will post more details upon receipt of chairmans report.

ruby

Hi, I've not been on here for a while it's been hell for the last 4 months but finally our IVA has been approved first time!!!!!! Thanks to everyone on here and obviously Accuma who have been superb!!!!!!! I can't believe it......finally i can rest....good luck to everyone...and if i can offer peopl...

Its been a while but I've finally began the IVA process, Its taken alot of considering but my husband and i have decided it's the only way! I would just like to point out after shopping around (speaking to some idiots in the process) we opted for Accuma and i must say their staff are superb (so far)...

Thanks DebtDummy, Had to Laugh at your name!
I need to stop worrying and just think positive. Each case is individual as you say.
Thanks
Ruby

God help anyone who's in our position and doesn't fine this forum to help/advise!
Thanks
Ruby

When I've calculated everything i may just do that. Just to see what different experts think. My main panic is finding the the right people to deal with this life changing process. Pick the wrong people/advice and my wife and myself could end up in a worse position! It's knowing who to trust? Thanks...

Thanks Melanie & James, I understand what you're saying here but where do start, and how do you know your IVA is being presented probably before it's too late? (i know very little about the process although i know to be realistic about what i can afford to pay)
Thanks
Ruby

Very helpful thanks, be intrested to see any answers to Neverendings question. Some IPs must have a better rep than others.
Ruby

Hi People, Has anybody had any good/bad experiences with HSBC at least 60% of my debt is with them? I am currently considering an IVA, but nobody seems to have had any dealings with them. Do they tend to vote or not. I would value your comments/experiences. Obviously every IVA is different, I unders...

thanks dominic.

Thanks, i will do.

Ruby

sorry last question for now. Will it not go against us that we have never missed a payment? We only just make them every month by borrowing more or moving money from one card to another? On paper we should never be able to afford it. But we always manage one way or another and it's only a matter of ...

Thanks people, we will do our research and we agree that we need to meet these people face to face.
Can you go straight to an IP?
Ruby

thanks kezza