Is anyone on this forum from N.Ireland?

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deco

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Post by deco » Thu Sep 16, 2010 9:28 am
Is anyone on this forum from N.Ireland? Would really like to speak to someone in a IVA to get the true picture on them(IVA).
 
 

St75

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Post by St75 » Thu Sep 16, 2010 10:06 am
Yes, I am, and from reading many posts on the forum for the past 8 months I think there are quite a number of people from here on the forum.

There are Insolvency Practices here, such as McCambridge Duffy and the IVA Advice Bureau have an office here as well.

I have spoken to both and they were both really helpful. I went with the IVA Advice Bureau and my IVA and my wife's IVA were approved in August.
regards
st75

Started lump sum IVA in Aug 2010 - received certificate of completion April 2011, thanks to Melanie & team
 
 

deco

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Post by deco » Thu Sep 16, 2010 10:22 am
Did you have to take a joint IVA? Really would like to apeak to someone in a IVA as well as a IP. I really know very little about this.
 
 

Michael Peoples

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Post by Michael Peoples » Thu Sep 16, 2010 10:57 am
There is no such thing as a joint IVA. Each case is treated individually and it is not uncommon for only one party to need an IVA and the other can repay their debts as normal.

If both parties are insolvent it is possible to do interlocking IVAs and make only one payment or you can each do separate IVAs.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Tina Shortland

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Post by Tina Shortland » Thu Sep 16, 2010 12:34 pm
Hi Deco - for you to know the full facts about all of this it really is important you speak to professionals about your options. We have some fantastic forum members on here who can give you details about their own experience but that would not necessarily reflect what would be true for your circumstances. Best to get the facts from the professionals but of course use everyone for as much support as you need.

Regards,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
 
 

kallis3

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Post by kallis3 » Thu Sep 16, 2010 12:42 pm
For you to contact someone off forum is fairly straightforward.

Go into your profile and you will see a box about adding a Frugal Friend. Click on the drop down menu and then scroll down to the person you want and then add them. If they do the same then you will be able to send a message to 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
 
 

deco

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Post by deco » Thu Sep 16, 2010 2:08 pm
Thanks for that
 
 

MelanieGiles

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Post by MelanieGiles » Thu Sep 16, 2010 8:12 pm
I think we now have a fair few forum members from Northern Ireland who post regularly, so hopefully you can communicate with them both on and off the forum.

It is a great idea to get some first hand experience from people in IVAs - something which most IPs would claim to know a lot about, but rarely have we ever had to live through one ourselves.
Regards, Melanie Giles, Insolvency Practitioner
 
 

kallis3

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Post by kallis3 » Thu Sep 16, 2010 8:17 pm
I hope you never have to Mel!
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
 
 

MelanieGiles

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Post by MelanieGiles » Thu Sep 16, 2010 8:18 pm
Every time my M&S credit card statement comes through Jan, hubby warns me that I could be the next!!
Regards, Melanie Giles, Insolvency Practitioner
 
 

kallis3

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Post by kallis3 » Thu Sep 16, 2010 8:39 pm
Not you Mel - you're way more sensible than most of us!
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
 
 

briggadeen

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Post by briggadeen » Fri Sep 17, 2010 8:31 am
I am from NI. We started the ball rolling for our interlocking IVA in Nov 09 after realising we could no longer pay for the simple things. CAB referred us to Grant Thornton and our IVA was accepted on 3 Feb 10. I'm very pleased with how its going, we have enough money for the necessary items and even when our car had problems in June we were able to take a payment break to repair it. There is a change of lifestyle but I am more relaxed compared to last year, I know my bills are being paid to an extent!
 
 

deco

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Post by deco » Fri Sep 17, 2010 8:41 am
Would it be possible to speak to you as I would love to hear not only a professionals advice but someone who is actually in one?
 
 

kallis3

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Post by kallis3 » Fri Sep 17, 2010 9:33 am
Add each other as Frugal Friends and you will be able to. Please don't post any contact details on the forum itself as it's not allowed.
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
 
 

deco

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Post by deco » Fri Sep 17, 2010 9:42 am
Thanks-Ive added as Frugal Friend. Totally understand about not giving details on main forum.
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