Search found 10 matches

Search found 10 matches Page 1 of 1
by Jackdaw
Sat Apr 14, 2018 5:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Crisis this early ?☹️
Replies: 3
Views: 4889
We have just made our first payment into our Iva, we have been budgeting well, even managing to celebrate our daughter’s 21st without going crazy. On Friday my old reliable Ford Focus decided to give up the ghost. It will only go into second gear :-(. We are taking it to the garage Monday but our me...
by Jackdaw
Thu Mar 08, 2018 5:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors’ meeting today
Replies: 6
Views: 4644
What a relief, all agreed with no amendments. If I had any energy I would do a happy dance :D
by Jackdaw
Thu Mar 08, 2018 7:37 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors’ meeting today
Replies: 6
Views: 4644
Since we made the decision to do the Iva I have to say I have felt less stressed than I have for ages . It felt like we were moving forwards somehow. We have a fantastic IP looking after us and I feel in safe hands. However, it didn’t feel that way at 2am, 3am, 4am .... I am feeling incredibly anxio...
by Jackdaw
Sun Feb 25, 2018 11:58 am
Forum: Ask IVA Forum and Industry experts
Topic: Very pushing Stepchange !
Replies: 12
Views: 3070
The girl at Very was insistent that Stepchange “do IVA’s for free”. Which is clearly not true and could be confusing to people in a vulnerable position. They shouldn’t be giving false information.
by Jackdaw
Mon Feb 19, 2018 5:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Very pushing Stepchange !
Replies: 12
Views: 3070
Just had s bizarre conversation with Very who phoned chasing their payment. Told them we were in process of setting up Iva , gave them IP and creditors meeting date. She then went on to a sky “Why did you not go through Stepchange?” And “how much is your IP charging you we can refer you and Stepchan...
by Jackdaw
Sat Feb 10, 2018 11:49 am
Forum: Ask IVA Forum and Industry experts
Topic: I’m trying to purchase a house for £448k with a deposit of £68k
Replies: 6
Views: 3913
I know it’s really none of my business but why would you want to borrow so much having been through debt problems ?
by Jackdaw
Fri Feb 02, 2018 6:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Narrative
Replies: 4
Views: 3766
That’s it though ... surely getting this much in debt is reckless :-/. We had holidays on credit etc as well as living beyond what we should have.
by Jackdaw
Fri Feb 02, 2018 5:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Narrative
Replies: 4
Views: 3766
Just received all the paperwork to complete. Pretty scary reading and a busy weekend ahead getting statements etc together. The worst bit though is the “Narrative”. I just don’t know where to start, what sort of information do they want ? I wasn’t expecting this. Perhaps my answer should be “We are ...
by Jackdaw
Wed Jan 31, 2018 8:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Just getting started
Replies: 7
Views: 3635
Thank you Foggy, I do feel ashamed though. I walk around looking at people and can’t believe any of them are in this muddle. Like you, the figure was a horrible shock. I lie awake at night trying to work out how it happened . This is the wake up call we need but I am terrified - not only of the proc...
by Jackdaw
Wed Jan 31, 2018 7:21 pm
Forum: Ask IVA Forum and Industry experts
Topic: Just getting started
Replies: 7
Views: 3635
Hi, I have been lurking for a while and spent hours reading people’s stories and advice. Thanks to everyone as they have given me a glimmer of hope that all may not be lost. But about where we are - without going into details we have ended up up to our neck in unsecured debt . Usual tale, easy credi...
Search found 10 matches Page 1 of 1