www.iva.co.uk

got my first default notice and it was really really scary !! I have told various people various times at santander what is going on but nobody seems to take any notice [:(][:(]
What do I do now ?????

Hi Scaredykat

Suspect if I was you would just send it to Melanies team, don't be scared its just a piece of paper...

Hi scaredycat, I love your butterflies! Default notices are quite normal. Just send them to your ip. You are protected in the Iva so don't let them get to you.

They will come, don't worry about them.

Let your IP know.

I had enough to paper my lounge before my approval.

Hi scaredykat, haven't seen you around here for a while, just send it to your IP and let them deal with it, dont worry I am sure you will get more before everything is settled.

thank you everyone, your advice and support is, as always, much apreciated !! Broke of London..not in an IVA yet, hopefully soon ! Pandy..I have been having problems getting on the site but do look in most days...when i can !! x

The site has been playing up a bit over the past couple of days, hopefully it will settle down now.

Don't worry about the letters, and come on here and have a rant or whatever whenever you like.

In a way it is good to get these default notices prior to the start of your IVA.

File em away, or forward them onto your IP. Nothing to worry about at all.

Hi scaredycat, that's the worst time. Some of my creditors followed up the monthly default letters with almost daily "this is your last chance" phone calls but it had no impact on the way they voted and that's all that matters. They dry up after the iva is accepted. Do you have date set for the creditors meeting?

Hi Scaredykat,I personally didnt answer any phone calls or reply to any letters.I just sent everyone one letter explaining what was going on with the IVA application when advised to do so by my IP.
Non correspondence befor or after that.
Dont know if that is good advice? But my IVA was accepted last Thursday.
Still getting letters and post but still ignoring it hoping it will eventually go away???

It will get better DMB and the letters will stop.

The good thing is that you know you are covered now.

Hi DMB, they stop after a couple of weeks so just keep sending them to your ip. These organisations are huge and basically the left hand doesn't know the right hand has accepted your iva yet. I work for a bank and see every day how disjointed it all is.

Thankyou but i am not bothered by them now.I feel like i am getting back a little bit of control in my life?
I know from reading on here things can change very quickly but i am not going to worry myself to an early grave.I have messed up and now i have faced up to it.

ON a practical note once it is accepted - if you have a woodburner = all the letters come in very handy!

Shredded they make excellent litter for guinea pigs or hamsters so I am told![:D]