Fantastic news about your IVA, I had mine approved with Clearstart, they reduced their fees on mine as well. Hope hubby gets a job soon.

Hi, my IVA was approved last month, Clearstart sorted this for me. My creditors included TSB who I owed 10,500 to, they didnt vote, in fact out of 9 creditors only 4 did vote. I have been more than happy with this company so far. My IP is Alex Twitchen, who is your IP

Great news, its a fab feeling isnt it.

Why dont you contact Melanie she is very experienced and gives a lot of her time to help others on this forum. If I had known about this forum before I had my IVA underway I would have certainly contacted her. I have few assets, I rent, I have a car but thats on HP. I did not want to go down the ban...

Hi, I hope everything goes well for the meeting. Please let us know why you do not feel confident, one of the experts on here may be able to help. Dont worry alone.

Thanks Melanie, always so helpful. How did the frugal friends meeting go? it was tonight wasn't it?
I hope to put faces to the names on here by popping along to a meeting sometime.

Hi, Hang on in there. My creditors rang me all the time trying to get money off me. My case officer said I could give them her number and she would deal with them. I now have my IVA approved and still Mercers keep ringing, I have told them 4 times now of my situation, the last person asked for an em...

Thanks for the replies, I have a long way to go before mine have a satisfied against them.

I have an account with LLoyds TSB, there is an overdraftof 750.00 that is included in my IVA. I have had a statement from them today that shows that they have put on 174.00 of extra charges. These are because they took 10.00 off me for my account charge,which took me over my overdraft limit.I had wr...

Thanks for the reply Andy. Im so glad this forum is here.

I havereceived a default notice today from Capital one credit card. It states that a default will be registered against me using the date of the bankruptcy order. I have not gone bankrupt I had an IVA approved. It does also state that I had an IVA aproved on the 22nd October and because of this the ...

Hi and welcome this forum is an amazing source of information and advice, no one judges you on here, we are 1 big family.

From reading posts on here, I learned that HSBC can cancel accounts to people in IVA's I used the Co op bank pre IVA they do debit card and online banking, also armchair banking. I did have a little trouble opening the account due to their lack of communication but all ended well and has gone great ...

I did not pay a penny pre acceptance. My meeting was 22nd Oct and was accepted, I only got the standing order form last Thursday, which I returned Friday, ready for the 1st payment to go out in November.

Melanie you are a minefield of information. If you have not already you should write a book.