Wow, thank you all for your time and lovely posts. First form and budget sent to Tina and I am rally looking forward to the next steps now.
I desperately want to get moving as I feel guilty about everything, every thing I purchase from buying lunch to mending the fence that blew down.
I've not stopped paying my creditors yet as I feel it's too early but as soon as Tina says go, I'll do it.
For my bank account I chose the Nationwide as they have no links with anyone else, no overdraft but it is the Flexi-account. I thought this was okay as I have seen it mentioned in a few placed on here as being fine.
I would stop paying your creditors as soon as the next payment date falls due. You can use this money to build up a contingency fund and also make your first payment.
Nationwide are fine - we use them as our main account and have no problems.
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 and a big welcome from me too, the hardest step has been taken now so good luck with your proposal and hopefully you will soon be on the debt free avenue, you are also in very safe hands too, best wishes. xx
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
