www.iva.co.uk

Posted: **Wed May 16, 2007 9:36 pm**

Hi All,
I'm new here and just starting with my IVA at the moment i'm just gathering all my info for my IVA company.
I've been reading stuff in the forum and it's a great place.I'm very scared at the moment,and my head spins,but being here is helping !
Thanx

Posted: **Wed May 16, 2007 10:24 pm**

Hi Marie and welcome

This is a scary time - we have all been there! What is good about this forum is that you can ask as many questions as you like, rant rave, shout and scream - there will always be someone around to help you and give you sound advice.

Take care
Sue

Ho Hum! Think I'll bang my drum!

Posted: **Wed May 16, 2007 10:37 pm**

Thanx for the Welcome Sue !

Marie

Posted: **Wed May 16, 2007 10:43 pm**

hi marie welcome to the forum, like sue said we are here for you whatever,advice, rant, rave or just a chit chat, good luck with your iva.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Posted: **Wed May 16, 2007 10:54 pm**

Which iva companies are you with ????

Marie

Posted: **Wed May 16, 2007 10:57 pm**

Hi Marie
I would not recommend the IVA company that I am presently with - but if you are looking for a reputable IP then look no further than this site.

Sue

Ho Hum! Think I'll bang my drum!

Posted: **Wed May 16, 2007 10:58 pm**

I'm currently sorting things out with Cleardebt,anyone else with them ??

Marie

Posted: **Wed May 16, 2007 11:00 pm**

hi marie i am afraid i went BR my iva was rejected and i certianly wouldn't recommend who i used, read my blog it will fill you in on my journey, but going bankrupt was the best thing i could do and the relief has been immense i can tell you i can start to live again,so we all have different experiences here and can share our knowledge with you
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Posted: **Wed May 16, 2007 11:01 pm**

Have they given you a proposal yet to look at? What sort of calculations have they made for you? Could you post more info here regarding your debt, creditors etc?

Sue

Ho Hum! Think I'll bang my drum!

Posted: **Wed May 16, 2007 11:05 pm**

I owe about 19,000 to a great long list of creditors,They said about 31p/£ would work out at about £162 per month

Posted: **Wed May 16, 2007 11:08 pm**

My creditors include Halifax,Next,capital one,solution

finance,littlewoods,citi,grattan,vanquis,provident........the list goes on !

Posted: **Thu May 17, 2007 8:22 am**

hi jusy got in from working nights just read your post, my iva was approved in march and quite a lot of my creditors were the same as yours, next, littlewoods, cap one, solution,citi and they all voted yes, so might be a good sign, good luck.

Posted: **Thu May 17, 2007 8:34 am**

Yeah hopefully it will be a good sign fingers crossed ! thanx for telling me that.....so you had had no problems with them since......no nasty phone calls letters etc......

Marie

Posted: **Thu May 17, 2007 9:22 am**

In my experience all the creditors that you have mentioned are welcoming to IVA proposals as long as you reach the minimum return of at least 25p in the £.

Good luck with everything Marie.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Posted: **Thu May 17, 2007 9:47 am**

Hi Marie [:)]

I agree with ThomasCharles your creditors will normally accept a minimum of 25p/£. Can you post some more information about your debt?

I wish you the best and hope you find in this forum all the info you need to give you some peace of mind throughout the IVA process.

Regards,
Michelle P.