Im very very new to this in fact so new not gone IVA yet and still may not however from what Ive read any payment break is normally added to end of the IVA ??

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles That is a shame - it did seem to be the best solution for you. What are her objections, and what is your plan to deal with the debts now? IVA will effect our ability to get a mortgage if /...

No IVA for me then as wont go into this unless supported by my wife - fully understand where she is coming from though.

Lookes like another few years of stress and being less than skint for me.

Spoke to NDLine this morning and apparently from 1st October an unsecured lender like a credit card company can apply to the courts to have a charge put against your property if a CCJ is granted. ???

Possibly misunderstood what was being said as head all over place at moment [:(]

Spoke to National Debtline, Melanie and Kelly this morning who all said open a new non connected bank account so going to sort it tomorrow (thanks Melanie / Kelly for listening to me this morning as Im sure you have to say the same things day in day out and listen to the same questions day in day ou...

It wasnt me [:D]

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Around 90% of all IVA proposals put forward now do actually get accepted, and a lot of firms work to much higher results as well. In my own firm we get over 98% of cases presented accepted...

Hi Melanie ... you in the office Wednesday as planning to give you a call. [:)]

Is it common for IVA's to be accepted even with some modifications or do a lot of them get turned down by the creditors so your then back to square 1 ?

Seriously thinking about an IVA as seems to be only way out of my current bad financial situation. Im self employed so have an old transit van for works use and £800 worth of old Mazda for non work use. Would I be able to keep hold of the Mazda and be allowed the normal running costs or would they s...

Pretty new to this so been doing a little research andcame across this ...

http://www.davidicke.com/forum/showthread.php?t=136575

I know David Icke is a little ecentric but any truth in it ?

Hi Melanie - Mold about 2 miles down road from me so maybe I can be your first client ! .... loads of paperwork to back up where funds came from.

Will be in touch next week.

Thanks
Ian

Hi Foggy ... good point you make ... would my previous reply regarding where the 100k came from keep you satisfied as a devils advocate [:)]

Hi Melanie .... you one reply has just lifted a huge weight from my shoulders ... do you take clients on from North Wales ?? The 100k came from her sole property she sold so we could buy this one .. she bought it 2 years previous before I met her from the proceeds of a divorce settlement and a mortg...

Thanks for replies so far ... feeling so ashamed to have got to this stage ... just to clarify in case anyone thinks why dont he remortgage to release some equity - tried that but only get as far as enquiry stage due to the dreaded words of "self employed" and only 1st year accounts ... the mortgage...