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You do not have to wait for a CCJ to be finalised as far as I know. If you are going for an IVA, then your IP can apply to have a delay put on court proceedings as you are going for an IVA.
Do seek further advice though.
Hi guys and thank you so much for your replies.
Yes, origionally the cccs did recommend an IVA but with us being naive and believing that the creditors would stop interest we thought we would give the DMP a go, buckle down and pay it off in 9 years without risking losing the house. It has soon become obvious that its not possible, with constant battles and sky high phone costs to creditors and cccs alike on blasted 0845 numbers its like banging your head against a brick wall !
CCCS will not entertain an IVA until the CCJ is finalised which I'm finding very frustrating.
A CCJ would not stop an IVA so I would recommend that you contact our client support department to discuss a referral to CCCSVA.
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