Thanks Andy. I does not sound as bad as I thought.

Cheers, Mark.

IVA accepted, so 3 down, 57 months to go!!

My one bit of advice, if I can do it, so can you!

Thanks for the advice, when and if the time comes I will talk to my supervisor, what would happen if the money ran out before I found other work, would that push me down the BR route.

Cheers, Mark.

IVA accepted, so 3 down, 57 months to go!!

My one bit of advice, if I can do it, so can you!

Thanks, lily, I am hoping that is the case.

Cheers, Mark.

IVA accepted, so 3 down, 57 months to go!!

My one bit of advice, if I can do it, so can you!

A quick question, if I am made redundant later this year and receive a payment of about £8k, will this go straight to my creditors as a windfall payment, or am I allowed to keep it, keep paying the IVA until I find another job? Basically I would need to live off of it until I am back in work or don’...

I used Thomas Charles and they where realy helpful, the IP used in my case was Wilson Phillips, who where also great and got my IVA accepted first time. so I would recommend them both. Cheers, Mark. IVA accepted, so 1 down, 59 months to go!! My one bit of advice, if I can do it, so can you! View my ...

Hi Hels, I found once I had the creditors meeting arranged most of the calls stopped, some never even phoned me after defaulting and stopping all direct debits. My only adivce is that with most creditors, let them know whats going on and tend to leave you alone for a while, but from what others say ...

I cant praise Thomas Charles enough, I spoke to Phillip Hunt and he was very helpful and was always there to talk to, right up to my meeting date, they used Wilson Phillips as my IP and my IVA was accepted first time after about 10 weeks. they both seemed to always know about my case, and I did not ...

Hi Zac, my main creditor was Lloyds and they voted yes to my IVA, though they did want a slight increase in payment, but waited until the last minute to request it, IVA was accepted at 46p in the £, with LloydsTSB having £25k of debt from a total of £60k. From what others say, LloydsTSB seem to be O...

Great news, well done Sarah

Cheers, Mark.

IVA accepted, so 60 months to go!!

My one bit of advice, if I can do it, so can you!

View my IVA story blog at: http://sopty.blogs.iva.co.uk

Its true that even when you are deep in debt, you will get offered more credit, every time I would phone my bank (I already had 2 loans and 1 Credit card) I would be told I qualify for a new loan or credit card. I also think some of the problem is bank staff getting a bonus for products they sell. I...

Hi Saz, good luck tomorrow, let us know how you get in.

Cheers, Mark.

IVA accepted, so 60 months to go!!

My one bit of advice, if I can do it, so can you!

View my IVA story blog at: http://sopty.blogs.iva.co.uk

Good luck with the meeting, my main creditor was Lloyds and they voted yes to my IVA, though they did want a slight increase in payment, but waited until the last minute to request it, IVA was accepted at 46p in the £, with LloydsTSB having £25k of debt from a total of £60k. From what others say, Ll...

Great news, well done

Cheers, Mark.

IVA accepted, so 60 months to go!!

My one bit of advice, if I can do it, so can you!

View my IVA story blog at: http://sopty.blogs.iva.co.uk

Hi, I am sure one of the experts will answer you question completly, but I believe the IVA stays on your credit file for 6 years from the start date, and not the date it was settled, did you settle your IVA early or after the normal 5 years? Cheers, Mark. IVA accepted, so 60 months to go!! My one bi...

Well done Hunter, great news, I bet you are over the moon. Sorry to hear about your rejection, j_d, a lot of people seem to be having a problem with NR at the moment, good luck in whatever you decide to do Cheers, Mark. IVA accepted, so 60 months to go!! My one bit of advice, if I can do it, so can ...