Thank you fellow prayer types!![:)]

Thank you once again, meeting is likely to be 20th of may, just found out, prayer mats at the ready!!!, regards

Sent proposal pack back to IP, he says that meeting will be in 16 or so days time. Sound about right??.

Thank you for kind words, I have been truthful and honest and also think that my IP offer ( approx 50p in pound) is fair and affordable.
Thanks again

So, now that the paperwork for my case is coming together, what are the sucess rates, pitfalls, stumbling blocks for IVA's , from reading forums etc success rates do seem quite high, upwards of 80 - 90 percent. What are the failings due to,? misinformation? lies when filling out forms?? Regards

thank you Melanie

Evening all, havent asked a question for a while. Process is going smoothly, Thomas Charles have passed me on to IP from Wilson Philips, all questions and forms have been filled in and returned. Just a quick question tho, what is an R3?, MY IP has said that he will ring me tomorrow to have an R3 wit...

this may affect my iva!, i have just learnt that due to something called job evaluation at where i work , i may have my job downgraded (43 percent chance), although i would keep my present salary for about 3 years, if i cannot find a new job that pays as well as present one how will that affect my i...

Thank-you for your help.
Which bank should I go for? CO-OP is mentioned in forums.

Evening all, just started my IVA process with Thomas Charles, debt of 26,000. Been through the forms etc, surplus over expenditure 250, Charles says 250 a month over 5 years and 2 months is 97 per cent obtainable. This sounds very good, too good to be true???, this would give return of 15000 on debt...