Many thanks for the offer Lisa. I am now trying to get hold of credit fix to actually stop the proposed IVA altogether and I am going to be going with Michael and his company.

Thank you for that Michael I have emailed credit fix asking them to get my nominee to ring me as soon as possible to ammendments my proposal

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by lifenoteasy

Just don't use credit fix as the company to do it.

WHYS that then are they not too reliable

I understand what your saying Lisa but I just don't have the time to be able to work it all out with a disabled girlfriend 2 children and a 48hr week job and the house work after school clubs too

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Ant3101 Thanks for that foggy I'll get onto credit fix then and ask them to put that forward as a...

My only advantage is I only signed proposal on 29th July so fingers crossed I can get it stopped and a new 1 submitted

I have multiple creditors so I think it would be easier for me this way unfortunately

Thanks for that foggy I'll get onto credit fix then and ask them to put that forward as a proposal instead of the monthly salary but will being a 50% home owner affect this in the 5th yr still or will the f&f just write it off

What would you all suggest would be an acceptable f&f with a total debt of 30k do you think they would accept 10k as over the 6yrs I'd only pay about 7k

Thank you so much for the advice foggy I didn't think of that I shall get onto credit fix tomorrow to cancel the iva procedure then get onto my creditors

The only problem I have is I don't know when I'll get it could be 2 weeks could be 6 months

Cheers foggy I hadn't thought of that

Thank you for your help everyone I shall ring the Solicitors tomorrow and inform them of my iva better to be safe than sorry and risk losing the house over it. The payment should clear half of my creditors debt so fingers crossed that should reduce my monthlies and my iva hasn't actually been approv...

Well the estate is in Probate but from what I've read I can disclaim within 2yrs of death so long as it hasn't actually come to me so gunna give it a go

On the off chance does most iva company's offer a cooling off period after signing the initial proposal to creditors as after finally being able to admit that I have a problem I feel my family might actually offer to help me out of the situation I signed the initial proposal on Friday.