hello Simbell,
any news yet bab? I only just picked up your thread, and I am willing everything to go well for you. I must admit, I did smile when I read about the toilet rolls and toothpaste! I `ve developed a similar theme, except I seem to stock up on toilet rolls and cheap shower gel! keep posting simbell, there`s a lot of information on this forum, and the support is beyond any thing I`ve known. Just coming on the forum you sort of feel part of a family. Very best of luck, and I`m looking for your next post.
I wanna see the sunshine after the rain, I wanna see bluebirds flying over the mountains again...
Hi Roberto - no news yet - drafting team were meant to have called me on Friday or yesterday, but I haven't heard from them yet. I will give the company a call again tomorrow (I believe they are under staffed in that department at the moment) - of course I will keep everyone posted. Hopefully, I'll manage to keep the hubby away from the toothpaste and loo roll aisles at the supermarkets as well!! - shower gel![:D]
Got loads of loo roll and kitchen roll, but don't stock up on the shower gel.
I splash out (if you pardon the pun!) on Avon shower gel.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hello everyone - back to worrying (frantically though) I have chased IP Company now, and they called back, drafting team haven't started on the draft yet (sent paperwork 1 week ago - so I suppose i'm being impatient) but I was told they will only probably start on it on Friday or Monday of next week. I advised the lady that we have now started to default on payments, she advised to send letter with £5.00 cheque to keep off my back, however, I was advised that they would be doing all the contacting firstly. I can't send cheques - don't have a cheque book any longer. She also said that no they won't be contacting my creditors at all until the draft proposal has been signed and obviously we don't know when that is going to be - oh god - I feel sick, I'm so scared - also to say the truth she didn't sound very sympathetic at all - when I told her I can't send cheques she basically just said "oh well there's nothing we can do we only contact them once draft has been signed" - well how can it be signed - they've only just looked at the paperwork. I'm sorry - I'm just having a rant and crying at the same time (people walking past my office keep asking me if I'm okay (yeah I cry all the time when I'm okay!)- I'm probably being really unreasonable, I have been told they are really understaffed and she stated that they were in lots of meetings with creditors in the next couple of days. Sorry to be dumping on you guys like this [V]
I'm sorry - I've got myself into a right old state, I haven't written to anyone - I'm with Cleardebt, I was told not to give token payments - we're overdrawn at the old bank by 5500 the last time I looked and now this lady says this!!
In my original pack I was given a standard letter to send out to all creditors advising of my position and giving details of my IP. Some creditors took note, others didn't.
What a pickle. Could you ring and try and speak to a manager?
I know hsow you are feeling, I am in a major panic zone this week and even woke up crying in the night!
7 year IVA completed in December 2016 - there is light at the end of that tunnel
It is a matter of personal choice. I personally err on the no payment at all route, but there is nothing wrong with token payments either. If it gives peace of mind then it is useful, but it is unlikely to make any difference one way or the other in the long run. The signed draft proposal is a necessary part of the process but can be done very quickly, by e mail for example. The most time consuming part of the process is already over, which is the gathering of info, paperwork etc.
I appreciate that things can sometimes look to be taking time, but the last thing to do is panic.
Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
Hi Simbel,
Im just starting out with the iva process and am finding this website an absolute godsend!!! i cant talk to friends and family about the situation and i dont want my ex husband to find out and gloat at the mess i am in. I defaulted this week on all my credit cards and loans - for the first time in my life. I think im going to unplug the home phone on an evening till after 9pm to stop the creditors calling - im happy for them to write to me, but i dont want the kids hearing whats going on, and me having to explain the iva situation to creditors infront of them.
good luck and with everything
xxx
Just read your post. Try not to worry, i know it's easier said than done. I didn't make any token payments, my IP advised if i made to 1 then i had to make to all - so i haven't made payment to any. All i asked creditors was to refrain from calling me at home or at work and to just use my mobile. Once i advised them i was in the process of applying for an IVA most put a 2 week stop on all calls etc.
My IVA proposals only went out to creditors on Nov 9th and i started this process back atg the end of AUgust.
It does get easier i promise
Well it's not useful in my case Size5 as I don't have a cheque book - If I had I would probably be paying them all their minimum amounts (that's how scared I am of them). The problem with me is that I take things people say to me quite literally (I am pedantic - one of my many faults!) and to be told that I would be contacted within 48 to 72 hrs and then I still have to do the chasing - I just feel that's not a good start for me, and I wasn't sent a sample letter to write to the creditors or a script of what to say - I think I've still got my head buried in that pile of sand!! - Sorry everyone now I'm just ranting and angry at myself for getting myself so worked up and in such a state.
!