www.iva.co.uk

When An Iva Proposal like mine is in place.. Will all the accounts which are in the propsal be closed for good if approved that is?.. Will it be like a complete fresh start with your new card??

Not long to go now 14 days till my meeting... [:0]

Clive xx

Do you mean can you reuse your credit card with the balance wiped??
If so , definately not. Your cards will be cancelled and you would be in trouble for using them, or trying to use them.

You will not be allowed to access the accounts which have been included in the IVA.

Thanks Thomas, Does this mean either way the accounts will be unavaible either if it has been accepted or refused?.. Also No I did not want to use the cards ladyc.. I just wanted to know what happend to the accounts.. Ive cut all my old cards up anyway.. Apart from my new current account with natwest which i will be using to make mothly payments if accepted and my waged etc will be put into this account..

Clive

Sorry Clive. I just read my reply to you and it sounded rather harsh. I didn't mean it to sound that way.
I paid a partial settlement to MBNA for two credit cards and they said in their confirmation letter that if I tried to use the cards again the agreeement would be null and void.
Of course, like you, I don't want to use the cards again.Plus I too cut them up but somehow I still felt nervous and threatened by that.

No worries atall Ladyc.. I knew you wasnt being harsh.. I should have described my question a bit better.. Much love xx lol

Clive x

if you're anything like me clive, thought of another credit card petrifies me.. me and hubby see this as a godsent opportunity to put ourselves on straight and narrow.. hopefully ours and barbs will be accepted on 28th and yours 29th..

FINGERS CROSSED[:)]

Yeah fingers crossed for yours & Barbs on the 28th also.. Yeah I totally agree with you regarding credit cards.. I hate them.. If my Iva is accepted it will be a fresh start to my life.. Spending only what i can afford.. I think you learn from your mistakes.. And i don't intend to to make the same with my money again..

Clive xx

All the best for the 28th i wish you all the luck in the world

xx

there will be a big celebration on here for us all if mine, angs get approved on the 28th and yours clive on the 29th

i just want the days to go really quickly, so the day comes and hopefully we can all get on with our lives, spend only what we can afford and not have to worry about debt letters or phone calls from creditors anymore - that will be lovely

fingers crossed for us all!

and hope your hand gets better soon too!

love barb x

Not too long to wait now Barbara. If all goes well which I am sure it will then you will feel the stress lift. It can take a month or two to settle into budgeting but it is so nice not to have those statements or the worry of whether you have enough to get through the month.
All the best to you all.

Ang x

thanks aguise, for your good wishes, i feel really lucky to have such a lot of support from such lovely understanding people on this forum

thankyou so much

love barb x

good luck guys for the 28th and 29th, i have my fingers crossed for you all.

Thanks everyone.. Barbs if we all do get approved a celebration party will have to be happining! lol Without spending any money that is lol Not that im gonna be super tight with my cash once approved, But spending more wisely for certain

Wont be long now to our meetings.. Scary...

Clive x

oh yeah and the hand is getting there thanks.. Back to work this fri.. Lovely lol

Clive

yeh definately a triple celebration on the 29th hopefully - i will be on here bottle of wine celebrating, chatting whilst pleasantly getting merry amongst friends

glad your hand is better too!

barb [:)]