Hi Shazzles
We have just had our telephone meeting with Melanie Giles today and we will hopefully receive our proposal this week and then if everything goes well we should have our creditors meeting the first week in March.
I would just like to say that this forum has been a constant source of support and very useful information since we started this process a few weeks ago.
We have had many high points and many more low points over the past few weeks and we do wonder if what we are doing is right but anything has got to be better than wondering where the money is going to come from to pay the many bills and credit cards.
We stopped paying our creditors last month and we haven't had much hassle from them only MBNA who are destroying a small rainforest with the constant letters we are getting. They keep telling me that I need to make payments and pointing out the downside of IVA's and that I would be better making an arrangement with them myself. Has anyone out there had experience with these as I am worried about how they will vote as they hold more than 25% of my debt.
Sorry for the rambling but I have many thoughts going round my head at the moment.
"Life is too short to wake up in the morning with regrets. So love the people who treat you right, forget about the ones who don’t and believe that everything happens for a reason. If you get a chance, take it. If it changes your life, let it. Nobody said that it’d be easy, they just promised it would be worth it."
