hi 65k debt between me and hubby. ip says looking at monthly repayments of £400. Plus because hub is self employed he has to pay all tax and ni contributions into iva. Totalling all together £759. He has only been trading since last oct, his tax etc would probably minimal. So what they are saying wh...

Hi Elv5
Did you have to pay them for the work they had already done. They only looked at mine and sent it to Tenons. Ive signed the agreement they
sent out in the post with the pack, but dont seem to be getting anywhere fast.

Thanks melanie

Will contact you after Bank Holiday,
Nice bottle of Red waiting for me, so have a good bank holiday and will speek to you soon.

Think I will ring DFD and ask how I go about
changing my provider as they have passed it on to Tenons. Then I will give you a ring if that ok?

She only has a valuation from average price on internet. Zoopla or something like that it gives you an estimated average of houses sold on that street

thank you all. have taken your advice. c x

Hi

Taking advice form an earlier post on hear today. Wondered if you do
ivas for self employed. Tenons looking into it a the moment, getting
myself in a bit a state about it all.
If so would I have find all the paperwork again? and would I be charged for the work they have already done?

c x

hi pap

What do you mean by that and what difference would it make. soory for being a bit thick

DFD passes it on to tenon as my hubby is self employed. Tenon value house at 100k. I think ours would go for more as it has a double ext on side. Dont want to do bankruptcy if equity in house, do you think I should get it valued myself. If more value in house may be able to reduce monthly payment in...

hi all sorry to bother you again just ring my iva provider. She says looking at my paperwork we will be loking at paying 470 a month. because we dont hsve any equity in house.me and my husband are looking to go for a joint Iva. We do not have any joint debt apart from an overdraft with HBOS. I asked...

Hi All Still in the early stages of an IVA. Had a email from egg today saying they were pending legal action against me in the from of a CCJ. Informed them earlier that a 3rd party was dealing with my debt. Will phone them tommorow. But what if they want me to set up a payment plan? should i do it k...

Sent off all my paperwork to DFD.They have passed it on to Tenon because my hubbys self employed. Latest i heard they were waiting to verify husband income. Not sure how they are gunna do this as he has only been trading since oct an he dont have any accounts etc.Only thing theyhave is bank statemen...

Hi,
Hate talking to these people on the phone. Should I send all my creditors a letter stating my situation or will the Iva people do this as I dont have an IP yet. Hopefully!!!!

Regards C x

Hi everyone, In the earlier stages of an IVA. Getting really bad hassle from mbna. They sent me a text message this morning. It reads: Following a recent account review you may want to consider a secured loan to manage your finances thru First Union.Call no for details. 1 hr later they rang me and w...

Thanks for that,i may just wait a couple of days and see what happens.

Feel so much better now I have found this forum. Comforting to know other people are in the same situation,and you can come on hear and get good advice