www.iva.co.uk

My IVA proposal meeting was scheduled for 10am this morning, It's now 11.40, still no contact, I've bitten my nails to the core - I cannot get hold of anybody at Clearstart, the 2 numbers I have for them either ring out or are engaged as they have been for almost 2 weeks now. I don't think, all round, this is a very good sign!

"I will creep into your thoughts like a bad debt, that you can't pay, take the easy way out - and give in." Morrissey.

Just keep busy and positive.
No news is good news, dont they say !!!!!!!!!!!!!

I suppose (Many thanks for your encouragement by the way!)- it just appears that many whom have a positive decision are informed very quickly following the meeting. I suspect they are thrashing out amendments! It's now 12.05...

"I will creep into your thoughts like a bad debt, that you can't pay, take the easy way out - and give in." Morrissey.

I didn't hear for a couple of hours Mike so please try not to worry - easier said than done I know!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

let us know how you go on.I am with Clearstart and my meeting is the 27th Dec.

Cheers Guys! caraf - who is your IP? Mine is Mervyn and the go-between administrator is Shane Smith. How have you found dealing with Clearstart in general?

"I will creep into your thoughts like a bad debt, that you can't pay, take the easy way out - and give in." Morrissey.

My Ip is Alex Twitchen and my case manager is Matt Chandler and they have been very good and supportive. Although I do think their fees are a little high so I will be interested in your outcome ?? and what your fees are ?

Mike74
What is your debt, who are your creditors, what are you offering and what are your fees ??

I wish I had all the info to hand, but I'm sitting at my desk at work and all the paperwork is at home! My total debt is around £120K, yes I agree, the Clearstart fees are quite high - I will provide more detailed information when I get home. My creditors include Northern Rock, Halifax, Lloyds TSB, Barclays, Egg, Mint, Goldfish, Cahoot, American Express and Capital One... so quite a broad scope! A little worried about NR, but basically it's IVA or bankruptcy. My wife too had an IVA meeting at 10.15 - still no answer on that one, her debts total around £80K with a similar scope of creditors. Going in low at around 17p in the £ for my own IVA, this is nett of Clearstart fees, my wife is around 28p in the £.

"I will creep into your thoughts like a bad debt, that you can't pay, take the easy way out - and give in." Morrissey.

Good luck Mike, I'm sure you will hear soon, let us all know as soon as you hear.

I have heard people not to be contacted for a few hours, but there be no problems. I'm sure it will be fine. [:)]

Thanks Guys! I wish I had found this forum sooner, I'd have asked Melanie Giles to present my case! Do you know of any IVA's that have been re-proposed with an alternative company or IP?

"I will creep into your thoughts like a bad debt, that you can't pay, take the easy way out - and give in." Morrissey.

Hi Mike74
any news yet ?

Holding on the phone now, found a freephone number and given them a call... it's now 1.29pm.

"I will creep into your thoughts like a bad debt, that you can't pay, take the easy way out - and give in." Morrissey.

Oh my god mike... Hope its good news