D day

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Rob.79

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Post by Rob.79 » Thu Sep 20, 2012 1:07 pm
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Hi all,

So today is the day. After all the calls, paperwork and budgeting I find out today if my iva is going to be expected. I originally thought I would be able to pay 200 a month but it seems once everything g was down on paper realistically 150 was my left over income after bills. Because of this I have been advised to offer a 6 year payment. My ip is confident that it will be ok but as the minuets tick by panic is starting to set in.

Just wanted to thank everyone for there advice on here and all the best to everyone that's in a bad situation
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Kelly O

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Post by Kelly O » Thu Sep 20, 2012 1:13 pm
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Good luck Rob :-) we will be looking forward to some good news later
Regards Kelly Osadare Debt Advice Manager at www.pjgrecovery.com (host to www.melaniegiles.com.)

PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
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Niobe

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Post by Niobe » Thu Sep 20, 2012 1:14 pm
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Good luck Rob - you should be fine!!
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4kidsnocash

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Post by 4kidsnocash » Thu Sep 20, 2012 2:51 pm
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im sure you will be fine good luck
Alas, I am dying beyond my means.
Oscar Wilde
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suky424

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Post by suky424 » Thu Sep 20, 2012 2:54 pm
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Best of luck ... I'm sure it'll all be ok
Whoop Whoop!!
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Rob.79

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Post by Rob.79 » Thu Sep 20, 2012 3:17 pm
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The votes have been counted and verified an I can announce that all creditors have agreed to the iva! Feels like a weight has been lifted even tho it's the start of a long journey!!

Thanks everyone x
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Niobe

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Post by Niobe » Thu Sep 20, 2012 3:21 pm
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Fantastic news, congratulations.
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nepensioner

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Post by nepensioner » Thu Sep 20, 2012 5:13 pm
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Yipee [:D]
F & F Accepted 19th Oct 2010
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recovering

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Post by recovering » Thu Sep 20, 2012 5:39 pm
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[:D]
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Foggy

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Post by Foggy » Thu Sep 20, 2012 5:45 pm
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Well done. Yes, it is a long journey, but not one you have to make alone. We are always here for advice, support, a rant or a giggle.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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footiemad

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Post by footiemad » Thu Sep 20, 2012 6:06 pm
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Good news x
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MelanieGiles

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Post by MelanieGiles » Thu Sep 20, 2012 10:12 pm
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Not sure why you were advised to pay this over six years. Was the dividend being offered very low? Personally I would leave that up to creditors to modify if they saw fit. Five year IVAs are still the norm for most creditors.
Regards, Melanie Giles, Insolvency Practitioner
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bic

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Post by bic » Fri Sep 21, 2012 1:24 pm
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Good news, the time will fly xxxx
56 payments down 4 to go
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kev59

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Post by kev59 » Fri Sep 21, 2012 3:21 pm
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Good news, have a drink tonight.
IVA now over with and it was worth it.
now starting my life again,
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Shining

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Post by Shining » Fri Sep 21, 2012 8:37 pm
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Great news and glad a weight has been lifted, may you journey to debt freedom be a very smooth one. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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