Hi Dawn
It took me a couple of months and a lot of deep thought, after contacting VB, before taking the plunge. Initially, I sent in rough figures of income and expenditure to VB. They replied that an IVA would be the best course of action. They then sent me an information pack that included a draft proposal, statement of affairs, background statement etc. Including information of how an IVA works. I had to complete and sign this paperwork and send it back to VB along with 3 months worth of bank statements and wage slips, also the latest statements from my creditors and proof of rent. I have a printer and scanner, so all this was done via email, so no waiting for the postman. You also have an advisor assigned to your case who is always on the end of a phone (during working hours) Although worrying, I found this process quite simple. I have applied for cashminder account with Co-op and find out today if I have been accepted, I'll let you know how I get on.
Melanie, Dawn hasn't approached a company yet, it's me that has contacted VB, and no I haven't been assigned an IP yet.
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