a newbie

[kerry1977]

hi

Like alot of people on here i started reading this forum from afar. I wish i had joined sooner as it is such a relief to see other people in the same situaion, its funny how we all think we are alone in this situation when in fact the opposite is true.

My creditor meeting is for 29th March and i feel sick thinking of it. The only doubt i have is i can only afford 12p to the pound due to me being a single mum and what i can afford, i just hope and ray they accept my proposal.

[liamjames]

Hi Kerry and welcome!

You're right, there are thousands of people struggling and it's nothing to be embarrassed about. Best of luck for the 29th and try not to worry about your offer - if it's the best option for your creditors then it should be accepted.

[kerry1977]

thank you i will try not to worry cant promise though

[Declan at DebtFreeDirect]

Hi Kerry
Best of luck from me aswell. Remember, your IP wouldnt put yopur case fiorward to crditors unless they felt it would suceed. Dot forget, were always on hand to answer any questions you may have.

Thanks

[kerry1977]

thank you im sure i will take advantage of that at some point. Just like to say that other forums can be so negative especially about certain insolvency practioners that i found it so confusing about whether i had chosen the right people, and if i had made the right choice all together, id advise any new person reading this be careful what you look at on the internet as sometimes it can be unhelpful. Unlike this forum which i have found to be very informative in a friendly way.

[pod_moo]

Hi Kerry,

Good Luck for your creditors meeting, I am just waiting to find out when mine is. I have only recently joined myself so I know how you are feeling at the moment! Keep us updated!

Sx

[kerry1977]

thank you and good luck to you too think this will be the longest 2 weeks of my life oh well nothing else i can do but wait. i will def keep you updated just want it all over and done with now.

[pod_moo]

Thats how I feel and I am still waiting for an actaul date lol! The sooner I know either way the better to be honest. Fingers crossed for us both and I am sure we will be fine!
Sx

[kerry1977]

its the waiting thats the worse thing, mind due everything has happened very quickly so cant really complain lol

[MrsKnight]

Hi Kerry & a warm welcome to the forum from me.

You are with people on here whom know exactly how your feeling at the stage you are at. Im sure your IP will of put the best possible offer on the table for you & your creditors.
I have read reviews after I committed to our IVA & they were very unhelpful, but I think its right saying when things are going well, we dont think to comment, but when things go wrong we want to rant.
5 years is a long time at the beginning & having confidence in your IP really helps.
This forum is huge support to many & your journey will be of help to others so keep posting.
Good luck to both of you & let us know how you get on.

[kerry1977]

thank you yes i dont read any reviews now very unhelpful and make me worry too much. have to say my ip has been very efficient and has made things happen very quickly so i should just trust them to do the best for me and creditor.

are you in an iva now or has it been completed?

[Rosepetal]

Hi, the waiting is the worst part of this. try to save every spare penny so you have a emergency fund.

your date will soon come around! keep hope,you'll get there x

[kallis3]

Hi Kerry,

Just caught up with this and want to wish you good luck with your meeting.

I am sure you will be ok - the IP would not be putting this forward if they didn't think it would be accepted.

[Paula.bg]

Good luck. Our meeting is the 25th & I know how difficult it is. Our return is also low so know how you feel about that too.

[kerry1977]

thank you everyone fingers and toes crossed for everyone who is waiting for meetings etc