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kallis3

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Post by kallis3 » Thu Jul 02, 2020 11:15 am
We cannot say. It is down to the 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

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 1:03 pm
So after u sent the signed proposal next setp?

Foggy

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Post by Foggy » Thu Jul 02, 2020 2:10 pm
Thu Jul 02, 2020 1:03 pmLahoretiger wrote:
So after u sent the signed proposal next setp?
Stepchange will contact all creditors with a copy of the proposal and arrange a virtual meeting in a few weeks time. At that meeting they creditors will either accept the proposal as drawn, accept the proposal with a few suggested changes or reject the proposal. If they accept they and you will be legally bound by the terms of the agreement and you start making payments and doing everything else mentioned in the proposal.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 2:16 pm
Just says make paynents nothi g else

Foggy

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Post by Foggy » Thu Jul 02, 2020 2:21 pm
Thu Jul 02, 2020 2:16 pmLahoretiger wrote:
Just says make paynents nothi g else
If only !!! It says to make payments, declare extra income and changes in income, keep IP informed of address, attempt to release equity if a homeowner, do not take further credit. Pay in a share of extra income. Pay in windfalls if over £500 and a lot more.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 3:21 pm
Lets hope they accept step change are pretty confident they will just called them they send banks are indated with ivas

Foggy

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Post by Foggy » Thu Jul 02, 2020 3:24 pm
Thu Jul 02, 2020 3:21 pmLahoretiger wrote:
Lets hope they accept step change are pretty confident they will just called them they send banks are indated with ivas
Good luck.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 3:25 pm
She unofically send banks have got grants from gov to deal with this

kallis3

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Post by kallis3 » Thu Jul 02, 2020 3:29 pm
You will also have a yearly review to make sure your payments remain the same or need to go up.

I have not heard of banks getting grants. Bear in mind you are only dealing with a call handler.
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

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 3:34 pm
Sorry i meant debt charities
To these ips have connections with creditors already

kallis3

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Post by kallis3 » Thu Jul 02, 2020 3:49 pm
They do, but it does not mean your offer will be accepted.
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

Foggy

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Post by Foggy » Thu Jul 02, 2020 4:01 pm
Thu Jul 02, 2020 3:34 pmLahoretiger wrote:
Sorry i meant debt charities
To these ips have connections with creditors already
Payplan and Stepchange are both, in part, funded by the banks, but, in working they are no different to other IVA providers.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 4:05 pm
So banks prefer u to use them?

Foggy

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Post by Foggy » Thu Jul 02, 2020 4:28 pm
Thu Jul 02, 2020 4:05 pmLahoretiger wrote:
So banks prefer u to use them?
Banks recommend these two, as well as a couple of other big firms. Not sure that they 'prefer' you to use them. They get the roughly same back whoever you use.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Lahoretiger

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Post by Lahoretiger » Thu Jul 02, 2020 4:38 pm
Txs
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