Thanks. No I am not in an IVA.
I have put my IVA on hold at the moment.

Hi, Can anyone give me a bit of advice on default notices? I last paid my creditors on the 2nd of June. I was served a default notice on the 22nd of July after missing one payment with (EGG) and a default notice was placed on my credit file on August 18. I was under the impression that a default can...

Thanks for all the advice. I have Andrews number from his profile.

No I am not in an IVA yet, I have been through the process and I am at the point of signing the forms. I want to give the DMP a go first as it would impact me less in the long run and with future employment. Thanks for the heads up. Can anyone email me a direct number or can i just go thought the no...

Thanks Melanie,

With my IVA I currently have £310 going towards my creditors.
Can I expect the same with an DMP?
Is a DMP something you can assist in as well?

Regards,

Hi, After a lot of struggling, going from being a day away to declaring bankruptcy back to an IVA back to bankruptcy, back to filling all my papers for an IVA I have now decided to do an DMP. The only reason for that being that I am looking for a job in the financial district and I feel an IVA would...

Yes they say they are so and so from this and that bank. It doesnt take much to calculate what is going on if I get messages from different banks.
Thanks, I will try these tactics.

Hi Melanie,

No arrears. I have just taken over the CT, hence I picked up on it as it was on my wifes name previously.

Yes I have had a couple now phoning me on my work phone. i find it quite annoying as if I am not at my desk they leave messages with my colleagues.

I have a collection of telephone numbers now which I store under the name spam on my phone so I know it's for debt if I see the name. I normally don't answer these calls but just not sure that is the right tactic. All my creditors are aware that I am entering an IVA, some of the have stopped calling...

I am afraid not for the next ten months or so.
My council tax is £1880 per year but I get charged £205 pm for ten months which doesnt work out as it comes to £2040.

What is the longest period you haven't paid creditors before implementing an IVA and when do they start getting vicious?

Hi, My council tax is £204 per month over 10 months. When calculating my budget it was worked out over 12 months which gives me £157 per month for council tax. As council tax is being paid over 10 months does this mean I must pay the shortfall out of my household budget for the first ten months of t...

Thanks for all the support. I feel better knowing I am not alone in this.

Thanks Freelili, That is pretty much why I am contemplating the BR. I would like to pay my debt back but having more than one thing on my plate at the moment is proofing a bit stressful and at the end of the day I would have to do what's best for me in my situation. I suppose I am still struggling w...