First payment before IVA approved?

Get expert opinion. This is the place for new questions to be posted.
33 posts Page 2 of 3
Post Reply

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 12:02 pm
Quote
I just got a miss call from a creditor
Top

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 12:17 pm
Quote
I called them they are still in the meeting
Top

kallis3

User avatar
Forum Expert
Posts: 77175
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Mon Mar 09, 2020 12:57 pm
Quote
They may well be trying to get more votes. I would ignore calls from creditors.
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
Top

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 1:27 pm
Quote
Can’t rest until I know whether it’s a yes or no. I suffer from anxiety too so it’s making it worse. I know 2 of my creditors with the smallest amount of debt has been harassing me non stop. Barclays did terminate my online banking. So hoping they agree and hsbc knows my situation as I have always made them aware as I haven’t made payment to them for nearly 6 months.
The worst day of my life.
Top

kallis3

User avatar
Forum Expert
Posts: 77175
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Mon Mar 09, 2020 1:43 pm
Quote
Just keep pestering them for an answer.
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
Top

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 1:44 pm
Quote
Still no answer
Top

kallis3

User avatar
Forum Expert
Posts: 77175
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Mon Mar 09, 2020 1:52 pm
Quote
Keep at them.
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
Top

SteveUK

User avatar
Posts: 138
Joined: Fri Sep 28, 2012 10:37 am
Location:
Post by SteveUK » Mon Mar 09, 2020 3:06 pm
Quote
And regarding creditors calling you, just refuse to answer any security questions. They will whine, plead and try to bluff you that it is to your benefit. Just stick to your guns and tell them to write.
Top

SteveUK

User avatar
Posts: 138
Joined: Fri Sep 28, 2012 10:37 am
Location:
Post by SteveUK » Mon Mar 09, 2020 3:07 pm
Quote
That applies after the IVA is approved as well.
Top

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 3:48 pm
Quote
Still no call and it’s 4pm can’t even call them because kids are home from school
Top

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 5:16 pm
Quote
I just got the call. They have approved my Iva with modifications. Creditors wanted an extra 12 months added to the IVA because the payment is only 94.00. Which I agreed to. Some of them didn’t vote.
Thankyou all for helping me and helping me throughout the day.
Just want my debt free life
Top

kallis3

User avatar
Forum Expert
Posts: 77175
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom
Post by kallis3 » Mon Mar 09, 2020 5:38 pm
Quote
Excellent news! Glad you have been sorted
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
Top

Colin351973

Posts: 76
Joined: Thu Jan 30, 2020 5:18 pm
Post by Colin351973 » Mon Mar 09, 2020 6:27 pm
Quote
Congratulations you can relax now it was my worst day also .Relief now you can relax a little
Top

Kayee

Posts: 16
Joined: Fri Mar 06, 2020 3:16 am
Post by Kayee » Mon Mar 09, 2020 6:29 pm
Quote
I know fresh start can sleep tonight I haven’t slept properly in ages. Thankyou for al your support.
Top

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom
Post by Foggy » Mon Mar 09, 2020 6:30 pm
Quote
Great news ! In the grand scheme of things and extra 12 months,though annoying, is nothing really and you will be surprised, going forward, how quickly time passes (not always a good thing, but in this case welcome).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Top
Post Reply
33 posts Page 2 of 3
Return to “Ask IVA Forum and Industry experts”