Can i also put to the forum why am i being asked to pay 60p in the pound when i read many many IVA's approved at far less figures.My proposal to my creditors was i feel realistic and very fair at 37p in the pound yet Northern Rock want over 60p. Really confused by it all.

Hi Melanie thanks for the positive response, as you know i have been 100% behind getting this IVA to go through and to make sure that my creditors got the best return i could possibly afford over the 60 months. The offer put forward was i thought a true and fair offer and one that i would have been ...

Hi everyone its the first time i have put pen to paper although have been avid reader of the forum ever since i applied for an IVA in November 07. Well today was the day i had been dreading for sometime!!! the creditors meeting. My proposal was organised by Melanie's company and we were all very pos...