Search found 23 matches

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Search found 23 matches Page 1 of 2
by stmw
Mon Jun 25, 2018 1:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit reference information
Replies: 3
Views: 5556
Thanks both x
by stmw
Sun Jun 24, 2018 5:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit reference information
Replies: 3
Views: 5556
Hi! Our IVA was agreed April 30th and we’ve made our first and second payments. I have checked our credit files and it’s showing that Lloyd’s (my main creditor with a 24k loan and 1k overdraft) is still green. It’s not showing that payments were made in May or June, however it’s also not showing a l...
by stmw
Mon Jun 11, 2018 7:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting!
Replies: 2
Views: 5303
Good luck x
by stmw
Fri May 18, 2018 10:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: worried
Replies: 7
Views: 5502
My IVA was accepted through Mccambridge Duffy - they’ve been amazing for me!

Good luck x
by stmw
Mon Apr 30, 2018 7:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: OUR IVA WAS ACCEPTED!!
Replies: 6
Views: 3857
Definitely - I don’t forsee any issues moving forward.

Thanks for your replies both x
by stmw
Mon Apr 30, 2018 4:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: OUR IVA WAS ACCEPTED!!
Replies: 6
Views: 3857
As the title says - our IVA was accepted today! Eeeeeeekkk!!

I’m so so so so happy and relieved and looking forward to working towards a debt free future!

McCambridge Duffy have been handling our case and they have been absolutely amazing every step of the way.

So positive right now! :D
by stmw
Sun Apr 29, 2018 4:44 pm
Forum: IVA approved!
Topic: Large Debt IVA Approved today !
Replies: 9
Views: 13313
Amazing! Good luck with it all xx
by stmw
Mon Apr 16, 2018 8:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 5016
Hi! We are in our first month of our IVA. Once we decided to go ahead with an IVA we stopped paying the creditors. We rang them all explained what was happening. Most of them put our accounts on hold for 30 days. This gave us a contingency fund which we have already had to dip in to (car repairs et...
by stmw
Wed Apr 11, 2018 4:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 5016
kallis3 wrote:
Most go through - some want modifications and it is up to you whether you accept them or not. If one of your creditors is NRAM you will find they will ask for an extra year to be tagged on.


Right ok thankyou! - no I don’t have them luckily.

They’re drafting the proposal today x
by stmw
Tue Apr 10, 2018 9:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 5016
As soon as my IVA was at the drafting stage I wrote letters to all of the people I owed money making them a token payment based on percentage of how much I owed them vs what I had left over each month after my budget, advising I would pay by standing order. Then I set up all the payments, apart fro...
by stmw
Tue Apr 10, 2018 9:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 5016
kallis3 wrote:
I was in arrears with all of mine and then stopped paying altogether whilst setting up our IVAs. Makes no difference to the vote.


Thankyou! Well these creditors only make up 6.8% of the debt so either way im hoping it wont make a difference :)
by stmw
Tue Apr 10, 2018 9:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 5016
I, too, was one who had never missed a payment until I decided on the IVA. I then stopped paying anyone and saved a modest contingency fund (which was needed!). If you stop the payments, keep the money aside, then, if (IF) the IVA is rejected you can play catch up if needed. Thank you! Its nice to ...
by stmw
Tue Apr 10, 2018 9:38 pm
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 5016
Hi there, What advice did your IP company give you whilst in the process? They should be offering you the best way to go forward in the meantime. I initially went to the citizens advice bureau before approaching the IP company, who told me to offer a token payment of £1 to each company with a cover...
by stmw
Tue Apr 10, 2018 9:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: I’m considering an IVA with either Freeman Jones or McCambridge Duffy
Replies: 13
Views: 5124
kallis3 wrote:
You've picked a good company who come highly recommended on here. Good luck and let us know how you get on.


Thankyou! :)
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Search found 23 matches Page 1 of 2