Hi JMW1969. I too am with Liz at Liberta and like you I started my process with VB first. From first speaking to VB and my IVA being approved it took 3 months. I have to say I felt the same as you that going with VB did delay the process and I had to go over the same thing again with Liz that I did ...

My IVA is with Liberta and I can only praise Liz for her total support and professional approach before and after setting up my IVA. I read on here a lot that people struggle to speak to their IP's. Right from the start I have been able to get in touch with her by either phone or email and all my qu...

Thanks Skippy, I seem to have this question going twice for some reason just making sure they arent linked to RBS/Lloyds to Barclaycard. I think I should be ok then.
xx

Hi all,

Looking at getting a savings account and I am going towards Santander does anyone know who they are associated with so I make sure they are not one of my creidtors!

Thank you

x

Thanks Melanie for your advice, I will put a call in to them.

Orange - it is in Sydney! what an oportunity if I get selected.

Hi all

A fantastic opportunity has arisen at work to relocate to Australia for 2 years, work will apply for the visa and pay all the relocation costs etc

I entered into an IVA last month, does anyone know if having an IVA would mean the visa would not be approved?

Thank you all!

Hi all

I hope someone can put my mind at rest. Would my IVA have a negative impact on my families finances as I am living at home?

They are having trouble with their bank who is one of my creditors and I am not sure if it is because of me?

Any feedback would be appreciated

Thank you [:(]

Thank you all, yes I am on cloud 9. So pleased it's over now and I can look forward to the future.

Sorry all, mad busy day at work, YES good news, IVA approved, there was a few modifications but not to me. My IP has been fantastic and I am so pleased I can now get on with my life. 1 down 59 to go. Thank you to you all for your support, it have been amazing. Xxx

Thank you all for your lovely messages, under 3 hours to go now! am very anxious now. Let you know later how it goes. x

I cant believe that today is finally here, my meeting is at 3pm today, as I am at work my IP is calling me when I finish so I should know about 5pm if all has been accepted. I am soooooo nervous but so far my day has started well, I have just received an email from my company director and she has no...

Good luck Molly, that will soon come round. I have my meeting on Thursday, cant wait for it all to be over and I can look to the future. xx

Hi Skippy,

No I havent...will take a look at what you and Melanie have recommended. Just wanted that extra back up just in case.

Thanks for your help

Two weeks today and counting for my creditors meeting. Will be a big weight lifted once it is here and hopefully accepted. Another part of my life that I am getting back on track! been a tough few months but I am sure I will get there in the end. Thank you to you all for your support and Happy New Y...

Thanks Melanie, My concern was that at some point they could claim the money as payment for my debts. Was planning on using the card as an emergency back up and as it is visa and accepted everywhere where as the visa elecron can be restrictive. Do you think that could happen or as it is not an actua...