creditors meeting!

[debt tired]

Duly reassured Melaanie. The robustness of your post makes me so glad we chose you.

[lulu123]

I have no doubt that Melanie will go into "battle" with these creditors to get a good result for Johndylan.
lulu

[Spanna1310]

Team Mel will be in full swing hopefully getting the result/outcome you need x I doubt it will be long before your posting on here saying its all been approved x fingers crossed for you x

[Johndylan]

Thanks Spanna.

I just cant wait for the phone to ring!

[Spanna1310]

Unfortunately I think patience is key here x im sure Mel and her team will be in contact as soon as they know anything x as Mel said earlier in this post she'll do a 15% reduction herself if needs be - your definitely in safe hands and im sure she will get this sorted for you asap x

[luluj]

Am sure it will work out for you ...hang in there x

[Johndylan]

Spoke to Marc on Friday, he is just waiting for barclaycard to confirm the final outstanding balance of my wifes account to their appointed reprensentative.

I also have a barclaycard debt and received a letter from them yesterday, confirming my final balance and that they would not be contacting me again. My account will now be adminstered by GT who will liaise with my IP.

Throughout the whole process, my creditors have been very good, just some annoying automated calls.

[Foggy]

My creditors were fairly good, too, John, and it appears from postings on here that they are getting better. I think they understand the economic situation and accept that, though none of us, debtors and creditors alike, are happy with the situations we find ourselves in, we are all trying to make the best of it.

[Johndylan]

Hi all,

Finally got the call from Marc today, that both our IVAs had been accepted! There were a few modifications but we are both over the moon! The whole process has been very smooth and I cannot thank Marc, Mel and the rest of her team enough for the work they have done. Had i not found this site, i do not know what we would have done.

When i consulted the CCCS back in Oct, their recommendation was a DMP. They even said that they would not put us forward for an IVA as it was not in the best interests of my creditors ( i wish i had recorded the conversation with the chap on the phone). With around 85k of debt( which we are both highly embarrassed by) we felt a DMP was totally unsuitable. Besides, i knew my wife would not be able to cope the uncertainties of a DMP.

It was then that i found this site, read the reviews and arranged a meeting with Mel, who was Fab!!!
Looking forward to sharing experiences, learning about the ups and downs on this 5/6 year journey.

[Spanna1310]

That is fab news congratulations x

[harrysmummy78]

Fantastic news for you both Johndylan - this must be a massive weight off your shoulders. best of luck for the future.. I hope I will be putting a similar post on in the next few weeks

[Foggy]

Great news, John.

Interesting to hear about CCCS advice regarding the best interests of the creditors !! At that stage they were potential Nominees and are supposed to be working for your best interests. It is only when they become Supervisors are they looking out for the creditors !!!

[debt tired]

Congratulations! You must be so relieved after the uncertainty - I have beeen looking out for your update. Looks like Melanie and her team DO work miracles after all - I should never have doubted that they could sort out Barclaycard. Talking to Mel tonight so hope I'm not far behind you and harrysmummy.

[Shining]

Fab news and well done Melanie and co.

[MelanieGiles]

Fab news and thank you for your kind comments JohnDylan. My colleague Marc has worked really hard on your behalf over the last week or so, but hard work generally produces good results in my book.

I cannot understand why you were ever recommended to a DMP - or why you were not allowed the benefit of knowing about all of the options. Thank goodness you found this forum and were at least able to exercise a little choice - and hopefully new posters will gain from your experience. As will all goods and services, it always pays to take your time and shop around.

You have had to make some personal sacrifices in your family lifestyle, but as Lesly can now vouch - the five years does pass relatively quickly. It only seems like yesterday that I was having my first chat with her, and now all in completed. Where would you be at the five year point in a DMP - it is a complete nonsense.