Thanks for the quick response. I have e-mailed my IP and waiting for him to call me back. The house is in negative equity so at most we are hoping to sell at a price to cover the outstanding mortgage with no profit whatsoever - it may cost us to sell at this rate!! He's just being really awkward. Th...

Hi everyone, I hope you can help me. I had my IVA accepted on 18th September and paid my 1st payment on 1st October. I own a house with my ex although I no longer live there. He still lives there on his own and I contribute towards the mortgage. The house is on the market but it has been for a year ...

Hello,

Sorry posted on another thread! Yes was accepted. Only one modification of extra £10 per month.

So my dividend is 24p in the £. Had 86% acceptance rate.

Am very relieved to say the least! [:D]

Tracy x

Size 5 - I can't believe you knew and didn't tell me!! I had a sleepless night for nothing lol. Well it's my friends birthday today so it will now be a double celebration. I really can't thank Ali & Adam at ClearDebt enough - they have both been so quick to reply to me and always so friendly on the ...

Hi everyone, Just had a call from Adam at ClearDebt - my IVA was accepted. Only one modification - they reduced my contingency by £10 per month so I am paying £271.80 on a £45k debt. Which works out at 24p in the £. Can't believe it. First Direct voted yes so had 86% majority. So it has taken exactl...

Still not heard anything!! I'm really nervous. Hope I get a call before I have to set off for work at half 12.

Had 2 texts off Barclaycard already this morning chasing money and a letter from another creditor!

Fingers crossed

T x

Thanks for that Princess 8 - that's made me feel bit more optimistic!

My meeting is at 11.00am so I have booked the morning off work to take the call in privacy.

Will let you know how it goes.

T x

Thanks for all your good wishes. I really hope the IVA is accepted. If not am thinking will have to look at bankruptcy. The process has been very quick! Luckily I managed to get all my relevant paperwork to Adam very quickly and anything else was scanned and e-mailed to him. I'm single with no depen...

Hello,

First Direct did this to me last week as well. I have banked with them for 14 years.

I now have a Co-op Cashminder Account and they have been really nice with me despite my pending IVA.

Tracy x

Hi Everyone, My meeting is tomorrow morning at 11.00am. I am being looked after by Adam Preston from Clear Debt who has been great throughout the process. I contacted Clear Debt on 19th August so will have taken a month if I'm accepted. Keep your fingers (and toes) crossed for me please. The nerves ...

Hi All, I get home last night to find a letter from First Direct telling me they were closing my account and requesting me to send back my debit card and any un-used cheques as they had received notification of my IVA proposal. My IVA has not been accepted yet my meeting is on Friday 18th. I have ba...

Hello Again,

Thank you all so much for your support. Just keeping everything crossed that my IVA gets accepted as can't see any other way out of this situation. My circumstances have changed so much over the last year it's quite scary!!

xx

Hi Everyone, I'm a new member. I contacted Clear Debt a few weeks ago as had got to the point of not been able to meet minimum payments on credit cards etc. I was advised that an IVA was most suitable option for me and my creditors meeting is next Friday. I owe about 45k in total over 3 credit cards...