Hi,
Look like someone at Accuma needs more "assistant" training,bears out what I said.
Good luck Becky

Hi,
Yes I agree that most IPs would respond if they KNEW what was going on.How many more Beckys are out there being fobbed off by self important "assistants"

Why is Accuma getting bad postings lately?I read Becky's review and it seems that most IP's have a "brick wall" surrounding them.I wonder how many are aware that their own staff are undermining their credibility in the way they handle clients.They all need a shake up and be trained to realise that t...

To everyone starting an IVA,once accepted you ARE protected from any action.I kept the name and address of my IP handy and simply passed the details to them.Remember you have probably done enough worrying to last a life time so now is the time to relax,put all of it behind you and open a nice bottle...

Hi, You can't go wrong with Thomas Charles as a starting point.They charge the equivalent of 2 months IVA and guarantee acceptance or your money back.They are totally profesional,understanding and very responsive,and they have a 99% success rate.They find an IP to suit your needs and handle everythi...

Hi MMC,
I have heared on this forum that Welsh Boy is a good broker,however he cannot blow his own trumpet so look at previous postings for his contact details

Hi, You are allowed savings in an IVA,when you did your expenses you will have allowed for contingencies such as car repairs,tax insurance etc.These are usually lump sum payments and money has to be set aside each month to cover these (savings).I am not sure about the credit card if it is your name ...

Hi,
Congratulations,you can start your countdown now,
must have been an excellent proposal,are you sure the forum's treasure,Melanie wasn't involved...

Hi,
Most of us on this site have been to hell and back,always remember there is always a solution no matter how bad things seem,we are all here to help and support each other.
Allan

Hi,
They may be linked but as far as I experienced both Thomas Charles and Wilson Phillips are very professional and towards the top end of the Iva business 10 out of 10 for both.
Allan

Hi, I am suprised that your IVA company recommended HSBC they are the worst bank you can deal with when involved with an IVA.I changed to them before my IVA and 3 months in I was told that they were closing my account as they don't do business with the likes of me.I had anticipated this due to all t...

Hi,
Is there a danger that if a sum of cash was available to propose a full and final settlement the creditors would want the lump sum AND for the IVA to run its full term,after all it is their money.

Some creditors try it on to the end,saying they have heared nothing about an IVA,What IVA?What's an IVA? It takes most creditors months to actually do something that will impact on you ie filing court proceedings etc.even then the court would take time serving any orders on you.Remember that the IP ...

Hi, I had the same happen to me, RBS, my main creditor, served me default notices whilst my IVA proposal was being prepared.I owe them £22,000 on credit cards,£27,000 loan,£2,500 overdraft and have a £62,000 mortgage with them.Before my IVA meeting was arranged they wrote to me demanding the whole £...

Hi,
I keep reading postings about people worried about their credit rating,lets face it, mine and nearly everyone here have hit rock bottom on their cr .I say so what! if my credit rating stays there forever I wouldn't mind at least it would prevent me ever getting into a mess again.