Documents have arrived

[hr1350]

So contacted Clear Start and they have sent through all the documentation (unlike Pay Plan who have sent nothing through yet). Some details of the expenditure etc

Mobile phone £30
Car (MOT/insurance etc) £30
Car Petrol £85
Car Tax £30
Contingency £50
Clothes/houshold expenses £50
Glasses £15
Medical/Dental £15
Other £30
Rent £300
Food/toiletries £120
Total per month £760

proposed payment at this stage £335 per month total payment at end of 60 months £20,100 on a debt of £36,493.00.

I have to say have been impressed with the company so far, have been quick getting the information out. Wondered if anyone else has worked with Clear Start.



In over my head looking for somewhere to turn

[keh]

Hi hr

Glad to see things moving forward for you at last and i'm sure your proposal will be accepted

Keith

The long and winding road will straighten out eventually....keep the faith

[Adam Davies]

Hi
Heres a post regarding clear start

nutz
New Member



4 Posts
Posted - 06 June 2007 : 13:25:28
----------------------------------------------------------------------
----------

hello all the company i used was clearstart ,, they were so friendly
and understanding i know they make money out of you but they were
really down to earth , my pride was hurt when i started the iva
process as it was like admitting failure but anyone who is wondering
whether to do a iva my advice would be speak to someone like
clearstart they will point you in the right direction and tell you
what your payments are likely to be , based on your morgage ,, bills
etc i no it sounds cheesy and everyone says it but as soon as i made
that phone call it was like a weight off my shoulders for the time
being,, they sent paper work through which i had to fill in,,, they
even arrange for one of there employees to come to my house and help
me fill in the forms for no cost. i sent it off and a proposal was
sent back to me to sign then the meeting was set up for the 31st may
, i couldnt believe how quick and quite simple it was to set up it
was so simple due to clearstart being so friendly-------DO NOT PAY
ANYONE TO SET UP A IVA FOR YOU BEFORE CALLING CLEARSTART I SET UP A
MEETING WITH A COMPANY IN LONDON ,, THEY WERE GOING TO CHARGE ME
£1800 PLU V.A.T TO DO MY IVA AND THEY WANTED IT UPFRONTT ----AS IF I
HAD £2000 LAYING AROUND IN MY POCKET also another great thing from
clearstart was they gave me a direct number to a colleague who has
been like a friend to me rather than a stranger and she will
definatley get a thank you card as this has change my life for the
good ,, since ive had money problems 99.99 % of arguement between my
wife and i have be money it has effected us and when the company from
london said i will have to go BANKRUPT and would lose my house my
wife cried -----but it wasnt true as i now have an ive so please dont
anyone talk to anyone that will charge you


the differenc ethe iva has made
before monthly outgoings per month

nationwide loan £388
nationwide c/c £220
mint c/c £150
capital one £80
egg £90
hsbc loan £210
barclay card £50
next £40
plus £3000 overdrawn
so in total about £1100 not including morgage which i didnt pay as my
wife covered it gas/electric food petrol etc

my wages per month are about £1200 so as u can see i was in trouble

now thanks to clearstart my iva is £330 per month with the rest of my
wages going on my morgage bills etc

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[hr1350]

Hi Andy
Thank you for posting that, I must admit after the first phone call to them they have been really good. A email with forms was emailed to me, I filled it in and got a telephone call back the next day.

When the forms arrived today I called my contact who answered all of my questions. I am feeling more positive at the moment than I have in a long time, I know there is still some stress to come but at last I am seeing a faint light starting to shine through.

Two weeks ago I really did not know where to turn and made my mind up that enough was enough and something must be done. Now all I need to do is cancel the DD at my bank (the last month my wages will be paid to cahoot, from next month its into the Think Banking account), so I know the phone calls will start but my contact had told me to give him his number.

In over my head looking for somewhere to turn

[Adam Davies]

Hi
Well your on your way to a better future.
What advice have Clearstart given regarding paying your creditors whilst waiting for your IVA to be approved ?
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[hr1350]

They have advised to cancel all DD to the creditors and to pay token amounts of around 1/3 the monthly amount. They have advised the process if successful should be completed within 4-6 weeks. I returned all the documents today as well.

In over my head looking for somewhere to turn

[Adam Davies]

Hi
Ok that seems good.
You must stick to this advice no matter how many calls/letters you get.
regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[aguise]

Great news hr glad you are feeling a bit better as andy says stick to what you have beeen told, hope all goes well.

all the best

Ang