Good evening, Firstly i am just looking for some advice, as i have not spoken in depth to my IP about my situation, due to interviews. But i was informed today that my IVA is due to fail. Could some let me know how long this takes to happen, i.e get all the paperwork and for creditors to be informed...

Thank you for the advice, I have spoken with my IP and it seems that the bank have been paying into a general account rather than the one for my IVA. But I am getting my Bank statements sent to them ASAP so hope it will all be sorted out. As I sure you will all know, it comes as quite a shock, just ...

Good morning, I have been in my IVA now for 4 months with the IVA advice bureau. Everything has been going well with this I thought until today. This morning I have received a phone call saying that they have not received any payments from me for the last 3 months, as the first monthly payment was m...

Good afternoon to you all, Me and my girlfriend have decided to get married next year. I was just wondering how this would effect my IVA as I am still in my first year. It is our plan to live together after we marry, and my girlfriend does not have any debits or outstanding credit and works full tim...

Good afternoon, Just thought you would like to know that my IVA was approved today, with only a few small modifications. I never believed that i would get to this day, but i would like to thank all the people at Melanie Giles (iva advice bureau) they have been a great help. I would recommend them to...

Good afternoon, I have my creditors meeting soon, and in my proposal i have personal loan and credit cards. But my mobile contract has also been included. So i am wondering what will happen to the service. Will it be disconnected at the end of the month? As i am still paying this and have no missed ...

HI all,

Thanks for you message's, My meeting is tomorrow at 12 noon, so i will let you all know how i get on.
I just want to get everything over with now, and start on the long road to recovery.

Thanks again have a nice evening

Good afternoon to you all. I have my creditors meeting this coming Thursday, so I am looking forward to this date as well as nervous. I was just wondering about other people experience with this day. Do most people find that original proposal are accepted or is it mostly the case that adjustments ar...

Thanks for the advice, I will keep on calling me creditors and letting them know my situation on a weekly basis. But I have also sent them many letters telling them this. My IP is JonesGiles Limited. I have also passed on the contact details to my creditors and asked that all future communications a...

Dealing with creditors Good evening, I am looking for some advice with dealing with creditors; I am at the proposal stage now for my IVA so I am hoping that an IVA will be successful and in place soon. But until then I am wondering what to do with my creditors. From the start when I was made redunda...

I have started my application for an IVA a few weeks ago. I have submit all the documents that are needed, and I have been told by my IP that my application is with the proposal department, they think that this could take at least a week before I can move forward maybe longer. During this time I hav...

Thanks for all the help. I will give a IP a call in the morning, to see we can work out. Just that I have read of some post that the IP like to meet with you, so if this was the case living in the north east I would not want to use a IP in london. But this should not be a problem.

Thanks again
Kev

Hello to you all, I was wounding if you would be able to give me some advice. I was made redundant last month, and so far I have been able to pay my Loans, Credit cards with savings. I have been able to find a new job but this does not start until May. Although the salary will be much less which mea...