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 have spoken to tina at Melanies company and decided to go through with an IVA. My next step has been to open a cashminder account with the co-op and i have changed my wages to be paid into this for next month. should i approach my creditors via letter soon and let them know i have entered an iva or pursuing one and make a nominal payment or something?
I think Tina and Melanie are fantastic as well - mind you, everyone on this site has been a godsend - you are at the beginning of your journey like me, so the best of luck - I am 100% positive we are in the best hands
so heres my update!
i have chosen to go with melainies team and i am awaiting a caseworker, tina who has been great said it would be around 7 days and i am currently collecting together all my paper work to send when i am allocated. i have cancelled my priority ddebits and switched them over to my new coop cashminder account....is this the right time to contact my creditors via phone or letter to let them know i am seeking advice ? is there a script i should say??? bit nervous about this one!
It is totally up to you whether you speak to your creditors. I didn't and ignored all phone calls from them. They will try and get you to make a payment, and again, it is up to you but it will make no difference to whether you are accepted or not.
Be guided by what Tina tells you when she calls.
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 have the details of your case and will be reviewing it today. In the meantime there is no harm in contacting your creditors to update them with your plans. We will be sending you a standard letter you can use for this purpose, and of course we will also be writing to them at the same time.
update..so melanie and her team have so kindly took my case on and i am getting a pack sent out to me in the post...its pay day tomorrow and i am expecting my creditors to call me as i have switched back accounts for all my bills etc and pay...what should i say? has anyone got any experience in what to say? i dont really want to ignore any calls and just to let them all know my intentions without coming across like a victim...
