www.iva.co.uk

Hello again. Be ready for a lot of posts from me over the next months/years!!I was told by my financial adviser that I will have to meet with my potential IP and discuss with them how I got into all this debt. Is this standard proceedure? Do I hang my head in shame and confess all? [:I] As yet I have not signed a letter of Authority

Hi linda

Since 1 April 2007, it has not been essential to meet with your IP personally, unless you are self-employed or have a complex case. I, however, recommend face to face meetings as you will get a much better appreciation of your situation and procedures to be followed.

There is not hanging of heads in shame! Your IP is working for you, and ought to give you the very best advice possible in terms of the options available. I suggest you telephone round a few companies first, to see what sort of standard of service they provide. And do read my blog on choosing an advisor, as there are some helpful questions there you may wish to pose.

Look forward to answering all future posts for you!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

I never met with my IP and my IVA was approved last October - should I have met him?

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

That is what our professional guidelines stated prior to 1 April. It is all rather retrospective in your case though!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Strange. You would think for such a serious situation you would want to meet your IP. The person I eventually choose to be my IP is going to meet with my creditors (of whom there are many) and present my IVA proposal. I think I need the opportunity to assess this person beforehand. I am hoping this person is at least smarter than me! [:)]

I am in a state of perpetual anxiety worrying about my debts

I was just curious Melanie. Anyway, they were in Manchester and I'm in Surrey so there was no way I could have afforded to get there! I was referred to Accuma by Thomas Charles, but with hindsight (oh what a wonderful thing!) I would have asked for an IP closer to home who I could have met face to face. I was just so grateful that something was being done about my problems that it didn't occur to me.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Linda.m
Hi
Confess all but do not hang your head in shame.You are taking an active and positive roll in sorting out your debt problems,only a handful of people do.
On this forum you will not be judged so please post as many questions etc as you need and we will help
regards

Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)

Please check out my blog: http://andydavie.blogs.iva.co.uk

View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp