i have a iva which at the start was agreed at 13,200.after 2 years payments of around 230 per month,i have been asked by my parents if they can help to pay the remainder off,but i am unsure how to go about calculating this,is there a set of criteria to go about this,many thanks for any help youcan g...

Thanks roller,thats put my mind at ease,and yes the letter did start with 'this is not a demand for payment'.Great stuff from the forum as usaul

hi all,hope someone could answer me a question.today i recieved a letter from a company called eversheds,working on behalf on max recovery.It states that i do no need to contact them,and they will prpbably never contact me.who or what are eversheds,and what can i expect from them.One of my creditors...

Hey all,thanks for all the congrats,and congrats to you fed up,its going to be a long road for both of us,but i think ill sleep well tonight.nite nite everyone

Hiya all,Well at 11 i got the result i had hoped for,my iva was accepted!!! From what my ip told me over the phone,everything went well,and my 2 biggest creditors voted yes.They were abbey and northern rock.Ill post the voting results when i get them,but i am so relived,now i can start my life over....

Good morning all,on this wet and grey day,thank you so much for all the messages posted on the forum wishing me luck for today,however it goes,those messages mean a lot to me.Im at work trying to keep busy,i thought about having a day off but id rather keep busy.11 o clock is d-day!!! have a good da...

Hi all,hope everyone had a good long weekend.well its just 16 hours untill my meeting..11 0'clock tommorow,and for some reason after a few weeks of being panicky,i was extremly calm today..is that normal!!! Seeing all the posts on here over the last few weeks,and getting some good advice from people...

Hiya all,and i hope everyones gonna have a lovely long weekend.well its 5 days to go for me,my meeting is on the 28th and im getting really nervous,i was tempted earlier to contact my ip to ask if anyone had agreed already,as i belive some do,but melanie advised me not too on here,which was probably...

Hiya all,i hope everyones having a good week so far.this lovely weather is a real blessing,because sitting in a park enjoying the sun and having a cold drink dosent cost that much!!I have 2 questions for the forum.The first is as my meeting is on the 28th,do all the creditors vote on the 28th,or wil...

Wow,so many replies,thanks all for your best wishes and help[:)].I do have another general question if you all wouldent mind!! As i have said my meeting is on the 28th of may,i have opened up another bank account( a co op cashminder).,but have yet to get my wages sorted to go to it.As my bank accoun...

hi andy davie,im using debt lifeboat.has anyone had any dealings with them?

In fact everyone have a good bank holiday monday,not sunday!!! I always get confused when geeting up late on a bank holiday!!

Thanks for all the wishs and replys,nice to know im not alone in this.Thanks for debbie for reminding me about the dividend,which i should have put on the original post.The offer is 28.1p in the £,which from reading the posts on the forum seems ok.Any views on that? Thanks again for all the replys,a...

Hiya all.Ive just recently started the ive procedure,and my creditors meeting is on the 28th may,If possible,i would like any views on my chances,or if anyone has had dealings with the companys involved.As it stands here are my debts. Abbey £8588 loan Abbey £1150 overdraft Northern rock £6242 loan C...