Put away as much as you can - some can fund your first months payment and you have no idea what is going to go wrong once the IVA has started.
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
Thank you, I just didn't want to be doing anything wrong - I was worried that they could come back and say we were keeping too much money back and that it should be going to the creditors.
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, sorry it has been a while, have only just got the internet back! We now have a date for the creditors meeting on the 21st. My partner keeps being pestered by one of his creditors. Does he have to talk to them?
Hi njc, you partner does not have to talk his creditor at all and it will have no bearing on the outcome of the meeting on the 21st. All the best for the 21st, let us know how it goes please and do keep posting. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
He doesn't have to talk to them at all if he doesn't want to.
Good luck for next week, I am sure it will all be fine.
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
Thank you, I am so nervous! It really helps to be able to talk on here. I have to work that day and will be uncontactable for part of it. Can my partner make any decisions without me when they call?
Are you both entering an IVA? it may be possible for your partner to take a message and relay it to you should there be anything to discuss. Would you be available via email, maybe they can mail you?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I can pick up messages during the day at some point. We are entering a joint IVA so I hope that means he can make a decision on my behalf if I can't get in touch straight away.
Your husband can make the decisions or, if he is really not sure, he can defer it until you get home.
I'm sure it won;t come to that.
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,you're doing really well& coping with a lot of stress,things will feel so much better once you get accepted - have faith in your IP,they sound confident they'll get you sorted.
my hubby held most of our debts (in secret), i was so scared but he took some holding together. you'll be ok,almost there now.
your IP could arrange a call with you later in the day if you explain. who are you going with? no you don't need to talk to any creditors,they will all be fully aware of what's going on now,don't let them bully you two. i just didn't answer the phone,it was stressful but i just left it to ring.
tell your other half about the posts,it might help him.
you're not alone, x
Nothing stays the same...everything changes..hang on in there!
