Thinking of an IVA

Charco_2

Which IP?

Are you happy with the proposed payments? Remember it's for five years?

Being happy or feeling comfortable with the monthly contribution is the biggest concern now!

Barkley_2

Ip is McCambridge Duffy. I have read reviews and they are rated very well for helpfulness etc and been reccomended on the MSE forum. The proposed payment is very welcome if it gets accepted by the creditors.

Charco_2

They are very good.

Stay positive then, usually an IP wont waste either yours or their own time... it takes the same amount of work and costs to produce an IVA that is accepted as it does to produce an IVA that gets rejected - but they wont get paid a penny for a rejected IVA.

Good luck!

WASHER

OP, do not use the company the above poster is advertising in the user name or the signature, this has been reported.

Scousemaid

PLEASE go to your local CAB for advice thye have trained staff and won't charge for their advice

NorthernLas

Have you spoken to anyone who can give you impartial advice or done the CCCS debt remedy on-line? Have you looked at other options?

https://forums.moneysavingexpert.com/discussion/2077631

At least have a look at the websites of CCCS and National Debtline so that you can confirm yourself that other options aren't more appropriate.

Charco_2

WASHER wrote: »

OP, do not use the company the above poster is advertising in the user name or the signature, this has been reported.

Did I miss something?

I am the poster above you and I'm not advertising!? Am I!?

SCOUSEMAID... every CAB is different as far as i know - they only have the expertise they are able to hire, there is no real training or set process throughout the whole of CAB as it is a fairly disorganised model.

One office might be able to give you great advice on debt solutions, another might not have a member of staff with a background in this area. I can stand to be corrected on this but it was certainly the impression I was given.

Barkley_2

Thanks for all the advice.

I have known for months that I need an IVA, but pride was always stopping me from applying for one, so it is not something I have just decided to get. I have looked into all the possiblilites, but with about £35000 of debt, I have spoke to McCambridge Duffy and have been very happy with the service and advice I have recieved so far. Will let you know of my experiences.

Barkley_2

Charco wrote: »

Did I miss something?

I am the poster above you and I'm not advertising!? Am I!?

SCOUSEMAID... every CAB is different as far as i know - they only have the expertise they are able to hire, there is no real training or set process throughout the whole of CAB as it is a fairly disorganised model.

One office might be able to give you great advice on debt solutions, another might not have a member of staff with a background in this area. I can stand to be corrected on this but it was certainly the impression I was given.

Charco, someone was spamming, but I think someone has deleted the posts hence thats why we cant see it.

Charco_2

I see. I sort of started to figure that just after I'd made my post but was still wondering thanks!