this is my first post on site. been in debt for a number of years, finally took head out of sand and applied for iva. just waiting for draft proposal. soooooooooooooooo stressed, can't sleep. just need to know if i will be excepted. can't belive i have got to this point. any tips for how you get through application in one piece!!!!
You will be stressed, it's only natural but I am sure that everything will be ok.
What company are you using?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Freddy my biggest tip in the first instance would be to find an IP/IVA Company you feel comfortable with and can rely on 100%....it really makes all the differance.
I came into this world with nothing and still have most of it left!
Cleardebt have an excellent reputation and Size5 who posts on here, works for them.
Unfortunately the waiting is something you have to put up with!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I cannot identify you from your forum name, so if there is anything I can do to help, or to put your mind at ease, then do not hesitate to contact me by e mail or phone, my details are freely available in the experts section.
Regards.
Last edited by size5 on Thu Sep 30, 2010 4:18 pm, edited 1 time in total.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
Hiya freddy,
Now you`ve started the IVA process each day is a day nearer to your debt solution. Stick in there, you`ll be sorted soon.
It seems like most IVA proposals do get accepted, creditors are better off getting whatever dividend you offer rather than nothing at all through bankruptcy.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
Hi Freddy,
I am with Cleardebt. Have nothing but praise for them. I know it is difficult, but just try to relax. You have choosen a good company. They will propose the correct IVA for you and help you through your nerves.
Good Luck
Hi Freddy - as the others say - the waiting is all part of the process but use everyone on here for as much support as you need along the way - they will know more than anyone what you are feeling. I am sure size5 and the team will minimise the waiting to as little as is professionally possible.
Best of luck
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com
If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
i am soo pleased to have found this sight, it makes you realise that it is not just you. that others have been through what me and my family are going through, and have got out of the other side. many thanksx
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi Freddy, the uncertainty is the worst but I also found it an enormous relief knowing that I had a professional on side to help me sort through the mess and whatever happened they would find a solution for me that would be better than the debt hell I was living in.
Good luck with everything........i can relate to you so much at this point,have just signed proposal and sent it off today and our creditors meeting is on 18th oct so just need to keep myself occupied now for 18 days.....aaahhh i hate waiting!!!!!
IVA STARTED OCT 2010,LAST PAYMENT 18TH NOVEMBER 2016. COMPLETION CERTIFICATE ARRIVED 17TH DECEMBER 2016.
WE ARE DONE
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
