gathering all my info for my IVA company

[iva experts]

Hi Marie and Welcome to the Forum,

I’m sure you'll find this forum useful. As already stated by Sue and Kerri it’s also a good place to gain knowledge as well as rant and rave, you’re in a safe place.

From the many cases I have seen the creditors you mentioned have not posed as problems when accepting IVA's. The creditors that are causing problems at the moment are HSBC/First Direct, Northern Rock, Blackhorse, Liverpool Victoria and MBNA.

In saying that each IVA proposal is just as its name states Individual, so each case is different.

Best Regards. IVA Experts

[marie]

That sounds good then as i not with any of them creditors ! =)

Marie

[iva experts]

Glad to hear it Marie!

Best Regards. IVA Experts

[marie]

This is my list
HALIFAX,STUDIO,ARGOS,GRATTAN,VANQUIS CARD,FLEX ACCOUNT,CAP ONE,CAP ONE(2),NEXT,GREAT UNIVERSAL,PROVICENT,SHOPACHECK,ADDITIONS,MARSHALL WARD,CITI CARD,KAYS,EMPIRESTORES,SOLUTION FIN,LITTLEWOODS,WESCOT,VERTBAUDET,COUNCIL TAX,HALIFAX ONE CARD. Pheeeeeeew what a list !
i now see that i owe about 22,000 or there abouts
Off to send my papers/statements to my IP.

Marie

[Oliver]

All of those creditors have a good track record of accepting IVAs.

You should be fine Marie.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[iva experts]

I have not experienced any problems with your mentioned creditors.

However just wanted to clarify whether your council tax arrears is for the property that you are currently living in? or is it for a property you are no longer living in?

Best Regards. IVA Experts

[marie]

the council tax arrears is for the rented property i live in now and is outstanding from my bill from last years council tax.

[hallway]

hi its hallway again, never had any nasty phone calls at all cos im a chicken and changed my phone no the day i started iva process and it only took 6 weeks from initial phone call to approval so only had couple nasty letters,iv had a few since but now i just send them to my ip and he deals with them,its only early days yet but already lifes so much better now i know exactly how much i have left to live on every month and you really do thing twice before you buy anything when you pay by cash instead of a piece of plastic .

[marie]

Hi Hallway !
Graetstuff then,i havent got a landline so thats good,n im sure i could soon change my mobile number,maybe i'll be a chicken too !
As for plastic....i never want to sign a credit agreement again for plastic or any other sort of loan etc ! NOOOOOOOOO TA !

[hallway]

I know it was the most stressful 6weeks of my life but all worth it now, keep thinkin to my self all things can do in 57 months time when will have so much extra cash, by the way have you changed your bank account if you owe your bank money that was the first thing i did while my credit rating was ok.

[marie]

Gonner go next week ,got info from Lloyds tsb in the post,i contacted them online.... saying i can open a basic cash account,but i have to do that in the branch...so thats next on the agender...

[JoeB]

Hi what kind of detail will they require?

[marie]

Hi g.g.r
Do you mean what kind of info do they need for you to open a basic account ??
they sent me a guide booklet,it syas that you can open an account with a poor credit history, the do the usual credit check,but it will be declined if you are in undischarged bankrupt or have a history of fraud.With this basic account you cant have overdrafts loans.....(like we want any more debt eh!!!)cheque book,credit interest....another downside is that you can only use cash machines that belong to lloyds tsb.....but i dont mind this They just need the usual stuff ID proof of address etc...wage slips..........i hope this helps

Marie

[aguise]

Hi ggr and Marie
Ther is anothr ac with think banking that is open to everyone you can look at the websit you need to look at the managed ac can be opened over the phone designed for those with money probs no matter who creditors are is backed by rbos quite a few have this ac on here. Go to
www.thinkbanking.co.uk

Ang

[hallway]

hi again i opened a natwest step account,did it all on line,they just sent out the forms for me to sign and return all in all took about 10 days to recieve debit card needed no bank statements, passport or anything.