Thanks, I have opened a basic account at the co-op.

hi Lisa,

Just re re read your post about my employer, I am not in the IVA as yet, spoke to my line manager today, who also spoke to her manager, and all is fine. I have disclosed it now so all good.

Thanks again

Aahh yes I see that now. I'll just see how we go then, don't want to upset them lol.

Thanks again

Hi Lisa,

I am a little confused, as the bank have no idea that I am even contemplating a IVA, so how could they pursue him if he off the account.

Thanks,

My bank is not aware of my IVA , as no contact has been made to them regarding it. I suppose it is worth the question to them .



My line manager is aware of it, so I suppose I have disclosed it as she is supportive.I will speak to her again.

Hi everyone, I have looked at the forum but cant find the answers, so I am asking them, sorry if they have been covered before: 1) My partner and I only have one joint debt, which is a our joint bank account, which has an overdraft on it, my question is as all the other debts are in my name, could I...

Thanks everyone,

I put the wheels in motion today... so here we go... I love this forum , has put my mind at rest.. I do have some more questions but will look on the forum to see if they are covered anywhere before I ask them

Thanks Foggy,

I am happy to ignore the calls, and if I do take any will refer them to step change.

Good news it should take weeks...

Thanks again.

Hi all, I am in the very early stages of my IVA , that is I am just about to say go ahead to step change. So my question is now how long does it take now.... they said that it could take 2 to 3 months, if so I suppose this is the worst part of chasing by creditors, which worries me , but I know its ...