Hi Monkey That's right we were in the same position. We never missed any payments but stopped completely when we had decided to go for the IVA. The letters and calls will keep coming but once the creditors know you intended actions about the IVA they seem to understand. Good luck with your IVA and l...

Hello, This is the first time for me. I have been reading the forum for a while now and it been great. I need some advise. Me & my husband are currently seeking a joint IVA. We are so close to having our proposal drafted, however we no longer feel confident with the current company we are using. I h...