Thanks for the quick replies, I thought that this was the case, but someone on another forum I frequent reckons they are only paying back 50% with Grant Thornton.

How much of the surplus cash on your SOA is taken in an IVA.

According to another site I use, the reason it is not being recognised as a visa debit card, is because some retailers have yet to update their BIN database. Until they do that then it will still be recognised an electron card with some companies. Seemingly the BIN database refers to the first 6 dig...

Great news and thanks for sharing how your experience was, we have still got to wait until 25th of November for our hearing. But it`s great when people like yourself report back on how you fared, good luck for the future.

Good luck Kazza, and please let us know how what your experience was like!

My thoughts go out to you and your family, so sorry for your loss.

Hi Samantha, and welcome to the site, you will find all the posters on here really helpful and the advice is priceless, especially from the experts. When we were in your position I rang our creditors and told them I was unable to make a payment, I did not make any sort of payment to any of them as y...

Hi Harry, believe me you are not alone in how you are feeling. Without this site I do not know what I would have done. I originally was going down the IVA route but then I was advised BR may be more beneficial to me, when I was told that I felt even worse. However the support and advice from the peo...

I have only been a member for a few days, but I can honestly say that this forum has helped me face my problems and realise there is a way out of them. Without this help I do not know what I would have ended up doing. This site in my humble opinion is priceless.

Hi Melanie, it was only after finding this wonderful site,that I realised that there was possibly a way out of the mess that I had got myself in to. I decided to "hide" behind a username as I am quite ashamed of the position I have put myself in. Also thanks to everyone who posts on this forum as th...

Hi Jan, we have gone with Melanie Giles firm, and we have had an email today they to say they are prepared to take us forward,

regards

John

Thanks for the replies guys. I am just waiting for the phone call back to see if my circumstances are deemed suitable.

Can anyone please tell me how long it takes for an IVA to be set up?

Hi Melanie, thanks for the quick reply and explanation, much appreciated.

Firstly I would like to say hello to everyone on this fantastic site. I have only just discovered it. The question I have is about dividends, I see in a lot of threads people are quoting dividends at say 35p. I do not mean to sound thick,[:I] but could someone please explain what that figure actuall...