Have been looking at the site for the last couple of days. Lots of interesting chat and advice it seems. You all seem a very friendly and helpful bunch. We are just starting on the road to IVA and have just sent all our paperwork off to payplan to begin. The calls and letters from creditors have yet to start (not looking forward to this bit I have to say)as we kept things going robbing Peter to pay Paul if you will. Have sent all creditors a covering letter and a token payment this week (we owe in the region of £35,000 to 6 different creditors although 50% is to Britannia. Hopefully it won't be too many weeks before we have our meeting, very nervous and we both have plenty of worries, but after reading many of your posts I can sort of see a glint of light appearing in the tunnel (Approval of the IVA will of course widen this greatly. Sorry for rambling on a bit,
Regards to you all,
Steve & Debbie
We certainly like to think we are friendly, non-judgemental and most of all supportive, you have the professionals who post too and they offer excellent advice.
You know where we are if you need anything and look forward to further posts.
Welcome to the forum. I'm just starting the IVA process as well. I spoke to an insolvency manager last week and I'm just waiting for my proposal to come through from my IP. I completely know how you are feeling about the phone calls as I have just started getting mine. I had a couple at work today which was a bit awkward as I don't want my colleagues to know my situation. I am hoping to field the calls to home so that I can deal with them on an evening.
Hang in there with the phone calls - things usually have to get worse before they get better but once you have an IVA you are happy with in place, things will be sooooo much better!
If you can get either a call display unit, or rely on a mobile and the nuclear approach jsut disconnect the land line until the IVA is in place if the calls are of a bullying nature
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