Hi all, so I've been on and off this forum for the past year and after the realisation I was just using my credit cards to keep me above water and with added interest rates I am barely making it through the month - I have taken the plunge to contact stepchange who advised an IVA.
I apologise in advance for the waffling post. I am having trouble getting documents together after getting married with a change of name and forgetting to change the banks over that I didn't use (just paying the minimum payment every month) and accidently shredding my marriage certificate to change them. I am now awaiting documents in the post which is taking a while.
Stepchange keep contacting me asking me to upload, I have called them and explained the situation which they have said is okay, I'm just worried that this is going to hinder the process.
I have asked for breathing space on 3 of my cards (not official breathing space these ones are for 30 days) and will have to for my other 2 cards as well. But I have a feeling this will not be sorted by the next time I need to pay. I have still used the 2 remaining cards this month as I paid over £500 towards them at the start of the month.
Are stepchange understanding with the amount of time it is taking? Also the creditors as I will not be able to pay them in full until the IVA agreement is set up.
In constant worry at the moment, I've ruined my teeth by grinding them so much and not sleeping at all.
I can't fault stepchange through the most part, every person I have spoken to has been helpful - however they have told me a lot of different things.
Then of course there is the worry of being accepted. I would be paying £330 to 5 creditors. Has anyone had a recent IVA with the help of stepchange?