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Posted: Thu Apr 05, 2012 9:47 am
by miffixxx
Hi
I am in the first stages of applying for IVA all info has been sent now waiting for a proposal (is that correct?) Is anyone else at this stage I need a friend !! [:(]
Posted: Thu Apr 05, 2012 9:51 am
by kallis3
Hi and welcome.
We're,all friends,on here and you will find plenty of advice and support.
Sounds,as though you're well on the way. Make sure you read and thoroughly understand your proposal and don't be afraid to ask any questions.
Which company are you using?
Posted: Thu Apr 05, 2012 10:05 am
by emptyspaces
yes i am no expert but u now just have to wait for proposal to come back to you it is a big document infact it is more like the size of a small magazine but dnt worry it should all make sence when u sit down and read it quietly and calmly.
Posted: Thu Apr 05, 2012 12:59 pm
by Shining
Hi, we're all friends on here and some of us on Facebook and some we've met face to face, it's a great community to be a part of. Welcome and let us share your journey with you.
Posted: Thu Apr 05, 2012 2:47 pm
by miffixxx
Thank you everyone
I started with DFD but as we are self employed we were passed over to Duff and Phelps solicitors.
Taken me a while to accept i needed help and have tried for 3 years to get on top of things but a nice visit from VAT man pushed me directly into action !!
Posted: Thu Apr 05, 2012 3:32 pm
by plasticdaft
Welcome to the forum Miffixxx,you will find plenty friendly chat on here and a lot of very good advice as well.
Paul
Posted: Thu Apr 05, 2012 6:41 pm
by Struzzo39
Hi and welcome to the forum from us xx
Posted: Wed Apr 18, 2012 7:36 pm
by Isis Black
hi there im a newbie too, been on our IVA for a year
stress will be reduced once its been accepted
xx
Posted: Wed Apr 18, 2012 8:00 pm
by Shining
Welcome to you too and how are you finding your IVA, have you had your first annual review? x
Posted: Wed Apr 18, 2012 8:03 pm
by Isis Black
Me?
yes last month and all was fine and payments are staying the same
was a little stressed while we were waiting for the reply lol
Posted: Wed Apr 18, 2012 8:25 pm
by Shining
Glad the review went well and yes you lol.
Posted: Wed Apr 18, 2012 8:26 pm
by Isis Black
hehehehe cheers
Posted: Sun Sep 16, 2012 11:56 am
by skintj
Morning, I am new too, only just got my paperwork together.I have done lots of research and hope I found a good company.I cant wait to be debt free.
I have a dh that gets stressed so more or ess doing this on my own even though its a joint iva.
Hope everyone is ok.
Posted: Sun Sep 16, 2012 12:00 pm
by Niobe
Hi and welcome.
Which company are you using?
Posted: Mon Sep 17, 2012 7:33 pm
by skintj
I was talking to money debt and credit but he was really pushy and wanted us to pay too much.I ended up with tudor kirk, so far so good.
SEnt of the paperwork today.