Big Day Tomorrow - 3rd Jan

[Beechy]

I would be interested to know on what items or areas they expect you to reduce you spending. Are yo a home owner?

Dave Beech

[ToBreakFree]

No I am not a home owner...

[MelanieGiles]

Beechy - the text of your post before last is very distorted, which makes it difficult to read. Was this how you typed it, or are there gremlins on the forum again?

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

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Beechy]

Did you advisor at Clearstart go through all the options avaliable (including IVA) when you had your initial discusion with them

Dave Beech

[ToBreakFree]

They did. I also did a good research online before concluding that IVA is the best solution for my case.

[ToBreakFree]

Hi Melanie, can you elaborate on "No doubt CCCS guidlines" from your reply please...

Thanks

[MelanieGiles]

The CCCS have produced a list of recommended levels of expenditure which they, and other creditors, rely upon in order to determine whether to accept your offered level of payments. The allowances are very harsh in certain areas, and the people who vote on behalf of NatWest apply them rigidly. You may be able to broker some form of compromise, but don't expect this to be too generous. Hopefully as you say, your IP may be able to outvote this in any case.

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

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp