www.iva.co.uk

Posted: **Thu Jun 28, 2007 12:18 am**

i am thinking about an isa and have had advice from blair endersby

Posted: **Thu Jun 28, 2007 12:21 am**

Hi ester r,
IVA?

Posted: **Thu Jun 28, 2007 12:20 pm**

Hi
Blair Endersby are a good IVA provider but i advise all people contemplating an IVA to speak with two or three companies and to go with the one that they feel comfortable with.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

Posted: **Thu Jun 28, 2007 2:56 pm**

Hi Esther and Welcome to the forum,

Andy is correct, we always advise that people speak to at least 2-3 debt solution companies. This narrows down any ill advice and will give assurance whether or not an IVA is best for you.

Could you post some more information such as: How much your estimated unsecured debt is? Who your creditors are? and your disposable income amount?

Best Regards. IVA Experts

Posted: **Thu Jun 28, 2007 5:55 pm**

HI there

I HAVE ABOUT 24000 IN DEBT, MOSTLY WHICH WAS TAKEN OUT WHILE BEING UNEMPLOYED AND THE BANK EVEN GAVE ME TWO LOANS ONE FOR 5000 AND THE OTHER FOR 12000 WHILE I WAS UNEMPLOYED AND ON BENEFITS SO EASY I THOUGHT, THE PROBLEMS STARTED WHEN I HAD NY FIRST CHILD WHO WAS BORN WITH A LIFE THREATENING DISEASE AND I COULD NOT RETURN BACK TO WORK, SO I HAD TO BECOME A FULLTIME CAREER. NOT SURE ABOUT THESE IVA'S NEVER HAD TO DO THIS BEFORE BUT I AM NOW BEGINNIN SOME STRONG ADVICE, ALSO ALL MY PAYMENTS ARE UPTO DATE.

Posted: **Thu Jun 28, 2007 7:03 pm**

Hi again esther if you dont mind.
Are you now working ? What is your income, who are your creditors. If you can put these we can give more advice.

Ang

Posted: **Thu Jun 28, 2007 11:20 pm**

Good evening,

Always try and talk to at least three different companies so that you can get an idea that you are receiving the correct advice to suit your own personal circumstances.

Best Regards,

Julia Simavi

Shortlisted with special commendation for Debt Counsellor of the Year by Credit Today Awards 2007

View my profile:
http://www.supersonicsquirrel.net/julia ... rofile.asp

Visit my website:
http://www.supersonicsquirrel.net

Credit Today Awards 2007 http://www.credittoday.co.uk/awards/winners.htm

Posted: **Fri Jun 29, 2007 7:02 am**

HI ALL
yes i work part time and earn approx 532.00 along with credits which is 175.00 a week giving me a total each month of 1232.00 my rent is 260.00 a month and my community charge is 90.00 a month electricity and gas is 25.00 a week shopping is 50-60 week. my crediters are mostly ltp credit card, solution finance co-operative bank lloyds tsb for two loans. catalogues 6 of them.

Posted: **Fri Jun 29, 2007 8:24 am**

An IVA would work for you probably, but do make sure that you will be able to afford the repayments. If your debts are lower than £15,000 a DMP might be more preferable for you.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Posted: **Fri Jun 29, 2007 11:45 am**

My iva is with Blair Endersby and even though its early days so far theyve been really good,very helpful and always on the other end of the phone if i need to speak to them.