I didn't contact any of my creditors but waited until those that still had my number rang me, at which point I told them I was going into an IVA and they should speak to my IP. Of a bout 20 creditors between my ex and myself ( we went into a pair of interlocking arrangements ) about 4 or 5 called and were no real bother.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Same here - I contacted no one and I made no nominal payments.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
All you will do is speak to a call centre and chances are they will try and 'persuade' you to make a normal payment. Charges will probably be applied anyway and your account will also go to default. Just move your accounts to your new bank. Any charges etc will be included in your IVA.
I would do it asap. If you have online banking I would remove contact details.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
