www.iva.co.uk

So, I've signed the proposal and MCD received it this morning so that's it, just got to wait for the creditors meeting (which could possibly be Friday 13th eek!) I know what people meant now when they have talked about counting down the days! x

I'm sure you'll be fine a good choice in the company you're using. Let us know when it is for definite and we'll all wing positive vibes down x

Ooooh, a nervous wait ahead then Charlie!! Least you've taken the first steps towards changing your life though! Hope to hear updates as and when..

Try to keep busy and not dwell on it -- all in the lap of the experts now -- I am sure you will be fine.

Best of luck from me too Charlie and we are all rooting for you here.

Best of luck from me too....it is a difficult few days but you should be feeling positive and you have made the first steps in becoming debt free again.....keep busy and let us know the outcome

Good luck for the 13th Charlie - I am sure everything will be fine but I am also sure we will see further anxious posts from you as the date gets nearer! It will be here before you know it!

Good luck from us too x

Our meeting date was July 13th too and we were accepted without modifications. I'm sure you'll be fine!

Good luck from me too... 13th is a lucky day!!!

Good luck Charlieo - it won't be too long to wait x

Wishing you the best of luck Charlie, I know it is a stressful time at the minute but I am sure everything will be fine

Thank you do much everyone for your good wishes. It's very much appreciated x am wondering now about whether to cancel my direct debits to my creditors, I haven't missed a payment yet and it just feels 'bad' although the money Ill 'save' will make a huge difference this month, it's just a worry in case the IVA is rejected but I guess if that's the case I'll be going BR or DMP anyway! I think it's the finality of it all and letting go of my credit rating for the foreseeable future! Would it be a good idea to telephone my creditors and explain the situation and offer a token payment? Or just keep quiet as if the IVA goes to plan it will only mean missing one payment? Ahhhh, so may questions! Like Tina S says, there will be loads more posts to come! So grateful to everyone on this forum - you really are a Godsend xx

Cancel the payments because in the unlikely event that the IVA is rejected you are not in a position to continue to repay creditors as normal. Also if the IVA is accepted your credit file will be damaged anyway so you are wasting good money making payments now.

Thanks Michael, should I inform the creditors or just wait until they contact me? Will this have any impact on my IVA proposal?