Creditors meeting today 11.40

[Rod Newman]

Brilliant news, well done. Now concentrate on the future and your eventual debt free conclusion.

[Grumple]

Congratulations - here's to the future!

[Rosepetal]

we all remember the anxiety so well. so very pleased for you! hope you feel calmer now &enjoy that glass of wine later- well deserved!

you're on your way to getting straight now,big hug x

[back on track]

they always seem to try and add on at the meeting like its just a last throw to see if they can get some more.
well done clee[:D]

[Skeef143]

FANTASTIC! So pleased for you!

Do you mind me asking why they changed it by £30 a month? Any ideas? Just fretting on all the possibilities with mine at the moment!!

Sometimes creditors may ask to reduce an allowance by a certain amount if they think it's excessive, and life insurance is a thorny one full stop so it seems, I only have a little £5 one, but they threw it out!

Clee - I could feel your anguish in your first post, we all felt exactly the same (well, I know I did, anyway) and then ecstatic afterwards. I bet even annoying workmates seem likeable this afternoon, don't they? [:D]

PS. Jan - can I have one of those under-the-avatar countdown thingies too? [:)] (My payments go out on the 1st of the month)

[Rich]

That great news, well done, keep posting and enjoy the vino tonight !

[clee123]

Hi Little Fi,
the man who called me (nice guy) advised that my phone and Internet fees wee higher than the average allowed for, and car allowances. My mobile is £19 a month, and landline £24 ish, and then my car allowances. I know they have national criteria that they always compare to, so even though its £30 a month - its only £7 a week, so If I can make sure I don't have the heating on, make sure I turn off the lights and use my mobile more for calls when calling ( I don't always use the minutes) then I am sure I can save some toward the £30.00. My biggest outgoings are Diesel and my car - I owe my mum £800 from the work done in April, so she says I can pay it as I can afford it - but it is on her visa, so need to scrimp to find that money. But that is not going to affect my relief and determination.
now guys and gals - we need a section for cheap meal recipes and tips!

[nepensioner]

Congratulations Clee, may your journey be smooth- after you'vre sobered up of course!!!

[plasticdaft]

Great news Clee,welcome to the rollercoaster ride that is personal insolvency!!

Paul

[kallis3]

Just caught up with this Clee - congratulations.

What exactly is your car allowance for? We get seperate allowances for MOT, car tax and servicing.

[briggadeen]

Congratulations!!!

[clee123]

well the vino has been flowing, I bought a carton of wine from tesco (cheapest there is, spanish, £3.80 litre)and put it in the freezer. she came round and as I was pouring, realised it was red!!! I had been on so much of a high - I was like out of a 1950's musical, singing to myself round the supermarket and buying value crisps and value wine!
Bit of a shock when I poured it out , we both just laughed, then I just started crying, (sound soppy here) but I think it was the relief of the last 6 months and having nobody to really turn to except you guys. well tears over ((( only a brief release and cry guys - don't worry!!!))))
she has now left and I couldn't waiti to come on here. still drinking that red!

[kazzafunk]

Really pleased for you clee. Hopefully this will be me in a few weeks!!

[clee123]

I do hope so, you and Little Fi xxx

[MelanieGiles]

Smashing news for you and the lucky lady. So nice to see someone's life really changed following the acceptance of an IVA.