Signed and posted lunchtime today...Is this the worst bit now, the waiting?!?

Papers signed and posted back to Payplan....Any idea how long it now takes to get the dreaded creditors meeting???

thanks for replies and the kind messages. I've put off signing until my day off tomorrow. Putting the envelope in the post box is gonna be a great relief whatever the outcome (having at least sorted out where i stand financially and having let all creditors know what a mess i'm in instead of just le...

Evening all, I am nearly there with the paperwork for my IVA with Payplan. Got my offer of repayment through the post today and it's 30% payback on 41k. Is this a reasonable offer. Fees seem high (nearly 7k) but i didn't know what to expect anyway. Don't really know what my question is, just a bit o...

Freddy, if you phone the CO-OP and go through all the usual details, you get the approval there and then. I told them i was applying for an IVA and the chap didnt even ask any more about it and then it was approved on the phone and card and details arrived within the week. A couple of weeks later an...

Can't praise CO-OP enough. new account up and running. internet banking working. set up a savings account alongside and got the card for that as well got all my pin numbers and brilliant customer service. Nationwide is a pain setting up online banking and i've only just got my pin number so they wil...

Phone up the Co-Op again Mitchymoo. They have local call centres and were brilliant. When i did, they asked if i had an IVA i said i didnt yet butmy credit rating was rubbish and was applying for one.I was totally honest with them, Chap on the phone didn't pry any further and i was approved there an...

thanks for the advice and gonna tell work to put my wages into the Co-Op from now on. Be kinda wierd having a plus balance for the first time in many many years, even though i will still be mega overdrawn in my old account, it will be a nice feeling to finally start afresh. Hopefully by xmas life wi...

From your moans and groans and my head already thinking Co-Op, Who have always answered the phone straight away it,i think my mind is now 100% and i'll use the Nationwide as a "back up" If i do get my IVA approved would it be ok to put say £10 a month in the Nationwide or is that classed as "Savings...

Thanks for the replies. I opened both on the same day about 15 days ago. Co-Op over the phone and Nationwide by post and received my Nationwide card today.Co-Op were much quicker sending the card and have sent the pin number and sorted internet banking out already. As i said co op just seem so much ...

I am just starting the process of an IVA with Payplan...i have sent in all my information apart from the reasons why i'm nearly 40k in debt. Firstly do i have to write a lengthy detailed story explaining why (it will be the usual marriage breakdown, 0% credit cards turning into 34% credit cards etc....