Creditors Meeting Tomorrow !!! Accepted !!!

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sblack

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Post by sblack » Fri Mar 14, 2008 7:20 am
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Thank you for all your good wishes.

We will let you know the outcome as soon as we do [:)]
"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."
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caraf

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Post by caraf » Fri Mar 14, 2008 7:40 am
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best of luck for Today
Just keep thinking that nearly 80% of all IVAs are approved.
Best Wishes and let us know how you get on
Carol
x
53 down 7 to go !!
Cant wait till December 2012
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Soulgrowth

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Post by Soulgrowth » Fri Mar 14, 2008 8:26 am
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Good luck ... these days are sooo nail biting ... but everything will be fine. [:)]

Debbie
Debbie
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debbiw

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Post by debbiw » Fri Mar 14, 2008 12:10 pm
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Hi, Good luck, let us know when you hear anything.
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sblack

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Post by sblack » Fri Mar 14, 2008 12:48 pm
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Hi Everyone

Our IVA has been approved with modifications. From £350 to £460 per month.
We just have to sit down and rework our figures to make sure we can afford this.
We are so relieved that finally there will be an end to all this and in 5/6 years time we will be debt free.
We will post the details later when we receive them.
Thank you everyone for all your good wishes and support [:D][:D]
"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."
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debbiw

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Post by debbiw » Fri Mar 14, 2008 12:54 pm
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Thats a big increase. Make sure you can afford before you commit. Well done anyway!
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sblack

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Post by sblack » Fri Mar 14, 2008 3:56 pm
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It is a big increase but we will have to deal with that. Its just a great relief to know we are on the road to being debt free.
Last edited by sblack on Fri Mar 14, 2008 3:56 pm, edited 1 time in total.
"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."
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Shining

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Post by Shining » Fri Mar 14, 2008 3:58 pm
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It is a relief and remember the feeling very well, I had to quickly work out whether I could afford my £50 increase, which so far so good I'm coping with (2 payments down!) Congratulations and only you know if it's manageable.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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aguise

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Post by aguise » Fri Mar 14, 2008 6:16 pm
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Congrats to you there s black. Just so long as you can manage the increase. All the best.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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lily

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Post by lily » Fri Mar 14, 2008 6:57 pm
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Well dont and I really hope it runs smoothly for you.
lily
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maxdebt

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Post by maxdebt » Fri Mar 14, 2008 9:07 pm
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Wow sblack big increase! I hope you can afford it! Just watch your post dry up now [:D] no more bills!
My thanks to Melanie and her team :)
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Adam Davies

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Post by Adam Davies » Fri Mar 14, 2008 9:33 pm
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Hi
Congratulations,can you say where your creditors felt that you could make the saving of £110 ?
Regards
Andam Davies
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MelanieGiles

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Post by MelanieGiles » Fri Mar 14, 2008 9:36 pm
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I can answer that - we always use the higher level of expenditure per the CCCS guidelines, and certain creditors insist on using the guideline figures - this would have meant a difference of nearly £150, but a £110 increase is still very tough to budget for each month.
Regards, Melanie Giles, Insolvency Practitioner
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Adam Davies

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Post by Adam Davies » Fri Mar 14, 2008 9:38 pm
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Hi
Thanks Mel.
Do you always propose the maximum allowance ?
Andam Davies
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Soulgrowth

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Post by Soulgrowth » Fri Mar 14, 2008 9:59 pm
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Great news ... well done. I hope that you are able to make the new figures work out ok. Good luck on what will now be a fresh start for you with none of those awful telephone calls or dreading the postman.

Debbie
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