new iva

[efc]

hi im new on here just got my iva date on 10th aug realy nervous im with freeman jones has anybody else used them and are there good many thanks

[luluj]

Welcome to the forum - stick around and you will get help and support from us all - wehave all been through it and yes it is nervous time but once approved a whole weight will be lifted and your life will change -it is a real sense of huge relif - we are with debt free direct and had no issues - I am sure your chosen IP will be fine - good luck

[Lisa2009]

Hi and welcome to the forum.

If you take a look at www.iva.com you should be able to find reviews on the company you have gone with.

Good luck for your creditors meeting, let us know how it goes x

[efc]

thankyou very much just cant wait for the date too come just hope it gets accepted

[efc]

on my iva report it is offering my creditors 24p to the the pound is this a good offer to be accepted

[Lisa2009]

Your IP must be confident of acceptance to be putting the offer forward in the frst place. Could you tell us please who your creditors are?

[ivas4us]

my offer was put forward at 23p in the £ and everyone that voted voted to accept. It does depend on the creditors and if you have any equity in your house but IP's only put forward proposals that they feel will get accepted. I have not heard a lot about Freeman Jones on the forum but if you feel comfortable with the advice and proposal then there should be no need to worry.

[efc]

Your IP must be confident of acceptance to be putting the offer forward in the frst place. Could you tell us please who your creditors are?

halifax loan and creditd card, barclaycard,northern rock,yorkshire bank small overdraft, my partners are lyolds money finance and north ridge finace ive have no equity as i rent my home

[ivas4us]

how much of the debt is owed to northen rock in comparison to the total.

[Lisa2009]

Do NR hold a large part of the debts?

[efc]

Do NR hold a large part of the debts?

we roughly owe 55.0000 i owe northern rock 4000 halifax are the main ones roughly 300000 but it was them who put me onto freeman jones

[Lisa2009]

There shouldnt be any real hassles then and as i said, your IP must be confident to be putting it forward for you.

Sit tight now and let the forum know how it goes.
Goodluck

[efc]

There shouldnt be any real hassles then and as i said, your IP must be confident to be putting it forward for you.

Sit tight now and let the forum know how it goes.
Goodluck

will do thanks for your help

[Lisa2009]

Anytime, we are always here to answer your questions and give support.

[Skippy]

Good luck with your proposal xxx