Anyway there are so many IVA people to approach and I am sure there are some out there that are better than others, I see Payplan is one that is favoured by quite a few but again I am sure they have their pitfalls...basically the question is simply this...
Does anyone have any suggestions or leads aso to 1-3 people I could approach to talk with as I do not wish to do this blind....have been this for 18 months now seen the light..so to speak..
First of all you will need to speak to Ip firm that deal with self employed as many do not. They outsource the work to other IP firms and this cause unnecessary delay, expense and hassle.
Most IP firms offer free advice and will draft your proposal on a no win no fee basis. The fees are then agreed with creditors and drawn from your monthly contributions so there are no hidden charges.
You should consider taking some advice now because if you are unable to meet your payment on account due for the end of this month, then you are already trying to play catch up. An IVA would give you a chance to restart as any previous debts to HMRC are incorporated into the IVA and you begin with a totally clean slate. Good luck.
I am kind of hoping that people can give me a few suggestions as to maybe where to start , but I see you said that not all IVA do self employed, I guess I can whittle away a few then.
I really do appreciate your time and reply.
I have spoken with PAYPLAN who are sending me out information , one last thing I am about to move back to London, can I still get a letting agreement signed if I go onto a IVA?
I see Payplan are sending you information. Do they do their own self employed IVAs or will they forward you to someone else?
Either click on the expert link on the left hand side of the page, and there are IP's who post on here who are excellent with the self employed.
Otherwise visit www.iva.com for a list of companies and reviews. Give one or two a ring but make sure you tell them you are self employed and ask if they deal with this themselves.
You will have to have a face to face interview with an IP if you are self employed.
I will have a look at the link to see about other IP's yes that is the best option as for Payplan yes they do do it themselves, I went to them as I read somewhere that they were setup by the Credit body byt the Creditors to help...so some would say better the devil you know..or not in my case...
I assume I am allowed to recommend on here and I would say have a word With Michael 'The Peeps' Peoples.
Ignore the fact that he supports Leeds and that he loves, and I mean Loves with a capital L, Barry Manilow, and you will find he is a very helpful chappie
Please fell free to recommend a few others please as I will certainly contact them all and make my own decision from that.
Thanks again, and if anyone is interested I will keep everypdated.
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