Creditors Meeting 24 hours away 13th Feb 2008

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andrewgoodman121

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Post by andrewgoodman121 » Tue Feb 12, 2008 9:51 pm
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i have my creditors meeting tommorow with a debt of £23500
HSBC,NATWEST,MINT,CAPITAL ONE and GE MONEY are my main creditors
which are credit cards and an overdraft only as i have no loans.
i have proposed to pay 55p (£300)per month with Melanie Giles's
Team and am now feeling a little bit stressed as it is now or never.
i am in Full Time Employment and have been all my adult life.
i hope i am making an offer that is going to be accepted as i feel that is what i can realistically afford to make the IVA work.
I don't have a mortgage and do not have any real assets only a loving family who have supported me during this last 3 months.
Usually if i was going for this kind of solution i would have BOTTLED!! out but this time have decided to go the whole way
and be brave.
Anyway let's hope for the best and see what happens.
At least i tried!!!!
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Lisa2009

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Post by Lisa2009 » Tue Feb 12, 2008 9:59 pm
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All the very best. I hope it goes ok and please let us know the outcome.

mrs skint
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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carlmcmullen

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Post by carlmcmullen » Tue Feb 12, 2008 9:59 pm
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Good luck andrew, 55p in £ is a very good return to creditors and the creditors you have listed i cant see a problem.

I am sure you are in the best hands Melanie and her team would not propose it otherwise.

Keep us posted and try not to worry.
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Skippy

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Post by Skippy » Tue Feb 12, 2008 10:01 pm
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Good luck for tomorrow Andrew - you're in safe hands with Melanie and her team.
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kitty

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Post by kitty » Tue Feb 12, 2008 10:08 pm
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Best of luck Andrew,
55p/£ is a very good offer.
Hope you all sleep tonight!
Kitty
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james.c

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Post by james.c » Tue Feb 12, 2008 10:11 pm
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All the best, i felt the same, mine was accepted at 47p to the pound and i amd sure with meliane behind you everything will go well
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andrewgoodman121

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Post by andrewgoodman121 » Tue Feb 12, 2008 10:12 pm
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Thanks Guys.
i would like to know how many IVA'S come to a successful conclusion to those that fail as i have read some horror stories on the forum from people who have not shopped around and gone to a IVA Factory and seen there monthly payments shoot up and are now struggling.
WHY IS THIS!!!
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james.c

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Post by james.c » Tue Feb 12, 2008 10:15 pm
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I think their is horror stories out their and IVA's failing, but theirs always negetive sides to everything.

How ever i think i saw a post from Melaine once that their is a high percentage rate that do complete
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marsha1

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Post by marsha1 » Tue Feb 12, 2008 10:43 pm
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Good luck for tomorrow. You are offering a good return. Let us knowhow you go on.
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debbiw

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Post by debbiw » Wed Feb 13, 2008 7:49 am
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Good luch today, let us know how you get on! Melanie will get it approved for you x
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Shining

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Post by Shining » Wed Feb 13, 2008 7:55 am
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good luck for today, seems like a good return to me, don't forget to let us know?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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