Following a shaky start with my choice of IP, I have taken second opinion and have submitted my details to Melanie and her team. From my provosional meeting it seems that the proposal is fair and should be able to proceed.

 There is a wealth of difference between the two firms and I am so glad I found this forum before my IVA application went to creditors meeting. I’m glad I asked questions and got my head round the things that I didn’t really unerstand about IVAs and IPs and the consequences for me and my family. It was a bit like almost getting back into the det mess that I’m currently in, well it would have if I’d gone with the first firm as we wouldn’t have been able to survive on the budget that they gave us and the IVA would have failed.

 I now need to tell the other firm that I no longer wish for them to represent me. I will wait until they have sent back my original documentation or they may drag their heels on sending it back. The guy that I have been dealing with is really nice and he has worked hard on my case but the figures have gone through the roof since it was discussed with his IP who clearly has no idea about NR criterea even though they claim that they have a good relationship with them. There is no way that we could budget an IVA based on their proposals. I will hate having the conversation with him as I do believe he was doing his best. I will just say that the IVA would fail if it were accepted on their proposal and that I have discussed my case with other IP firms who are able to present a better proposal for me and my family…..maybe I’ll email him and await the phone call…….what a nancy I am.

 Nationwide credit card have been ringing me all day and I have avoided answering the phone as I was at work with clients. If they ring again, I will bite the bullet, tell them that I can’t pay and am in the initial stages of setting up an IVA.

 Things could be a lot worse though. A 17 year old kiddie was stabbed to death last night about a mile from where we live.

 Will update as things move on.

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