www.iva.co.uk

I just applied for a Iva, and forgot I signed up to amazon music with my credit card last month and they’ve took payment today I’m freaking out it will mess the whole things up. My creditors meeting is the 23rd

You should be OK. It is not a king's ransom ... but make sure that other continuing authorities are cancelled.

Shouldn't cause too much of an issue. If this is a monthly deduction then you need to cancel it now as your Bank will most likely withdraw any credit line and cancel the credit card once they get to know about the impending IVA.

As soon as I noticed it a freaked out and cancelled it.. still worrying I know it was only 7.99 but still edit It was actually linked to my bank but taken it out on my cc.

Wed Jul 10, 2019 12:25 pmMerlinL14 wrote:

Shouldn't cause too much of an issue. If this is a monthly deduction then you need to cancel it now as your Bank will most likely withdraw any credit line and cancel the credit card once they get to know about the impending IVA.

They are one of my lowest creditors I owed £700 but few weeks before I applied for I paid £600 of it. Still freaking out. What do I do let the Creditfix know? Or just leave it

Just leave it ---- they will get the true balance when the card issuer claims. These usually always differ from the figures we give them as we are always working one statement behind.

Wed Jul 10, 2019 1:19 pmFoggy wrote:

Just leave it ---- they will get the true balance when the card issuer claims. These usually always differ from the figures we give them as we are always working one statement behind.

Just freaking out they think I’ve used my credit card..and it’s going to mess up the Iva and they’ll :/ scared and anxious even more now

Really, don't worry about it. If it was raised as a concern (which I very much doubt) you have a reasonable explanation as to why.

Arguably the debt was incurred pre-IVA anyway. I'd be amazed if it presents itself as a problem.

Wed Jul 10, 2019 3:27 pmShaun Vickery wrote:

Arguably the debt was incurred pre-IVA anyway. I'd be amazed if it presents itself as a problem.

what do you mean shaun?

If you signed up to Amazon Music prior to entering the IVA then my point is that, even if it is raised as an issue, the contract was already entered into.

...so the payment was unavoidable.

Before you begin an iva, it's necessary to know the drawbacks. as an example, an iva can have an effect on your credit rating for 6 years. If you are a home-owner, you'll even have to unleash equity in your home