Creditors being nice!

[hr1350]

Hi All

Still in the very early stages of the IVA process. As you might recall i firstly contacted Payplan. First call was fine then they took over 10 days to send information thought,they missed a phone call date and then when I try and call them back I give up after being on hold (to an 0870 number) for well over 10 mins.

Have decided to go with Clear Start, waiting for all the final information to sign and send back which will hopefully be with me over the next few days.

I have cancelled all DD's and as the letters have arrived I have call the creditors to advise what I am doing and have to say have been pleasantly surprised by all of them being so nice! Each on has been understanding, listened to what I was telling them and explained to me that I will get Default notices but that this is just procedure. It seems that as long as you keep them informed they are pleasant to you.

Lets hope the process continues like this although something is bond to change!! lol

In over my head looking for somewhere to turn

[aguise]

Thats greaty news hr glad all is going well, not far to go hopefully.

Ang

[willalwaysreply]

Hr1350
Good luck.

Can I ask
How do Clearstart charges compare to Payplan ?

I am looking to do a lump sum final settlement so chares are an important issue

Thanks

[hr1350]

Hi
Sorry for the delay in replying. Clear Start do not charge any fee up front and they advised today that they do not charge and monthly fee or %!! Some delay in the info arriving so called my case manager and got straight through and information is being resent and a courier arranged to collect it once its all signed.

Again so far really really happy with the service.

Also my new think banking card arrived today yay all i need now is money in the account after pay day lol.

In over my head looking for somewhere to turn