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nepensioner

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Post by nepensioner » Thu Nov 10, 2011 12:45 pm
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so pleased for you Calshan, sleep well tonight...
F & F Accepted 19th Oct 2010
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kazzafunk

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Post by kazzafunk » Thu Nov 10, 2011 12:47 pm
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Brilliant news Calshan. You can breathe a sigh of relief now. And well done Mel's team.
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
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Shining

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Post by Shining » Thu Nov 10, 2011 2:09 pm
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Fantastic! Well done you're on your way to your debt freedom now and with a great team to support you along the way. enjoy a little treat tonight X
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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plasticdaft

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Post by plasticdaft » Thu Nov 10, 2011 2:13 pm
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61p/£ is an excellent return for creditors. Well done.

Can I ask were the modifications for IP fees?

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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kev59

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Post by kev59 » Thu Nov 10, 2011 2:34 pm
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well done for yourself and mel's team.
IVA now over with and it was worth it.
now starting my life again,
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Rosepetal

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Post by Rosepetal » Thu Nov 10, 2011 2:47 pm
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fantastic![:)]

we've had cash for food& fuel every week since our IVA. hope you can manage a treat tonight.
Nothing stays the same...everything changes..hang on in there!
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animaleyes76

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Post by animaleyes76 » Thu Nov 10, 2011 3:35 pm
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Well donem congrats :o)
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footiemad

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Post by footiemad » Thu Nov 10, 2011 4:27 pm
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Nice one x
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MrsR

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Post by MrsR » Thu Nov 10, 2011 4:58 pm
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Congratulations Calshan !!

I used to be off work too when I couldn't afford fuel -so I know the feeling of wanting it to get sorted out too !!

Good luck with your IVA!!!!
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
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calshan

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Post by calshan » Thu Nov 10, 2011 7:06 pm
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thanks everyone for the help and support on this forum.
Plasticdraft, the mods were for IP fees, on reading the ammendments it does not appear there is anything that will affect the payment directly provided payment is made each month.

Again, thanks to everyone who helped me!!

The return to creditors is high compared to most, I had already repaid 18k in the last 5 years before trying for IVA with MG, a few issues with the other company over the 5 years and they said no to going forward with an IVA in first instance earlier this year!!
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Tina Shortland

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Post by Tina Shortland » Thu Nov 10, 2011 7:10 pm
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Great news Calshan - I'm sure Melanie will be popping on here later to add her comment but everyone is delighted with the result - not least of all you!

Happy celebrating.

:-)
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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plasticdaft

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Post by plasticdaft » Thu Nov 10, 2011 7:25 pm
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Still appears a bit of a game to me,Ip's always ask for too much knowing that they will allow themselves to be knocked down a little by creditors.

Surely in this day and age an IP knows how much their time costs and what they can expect creditors to go along with??

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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