Got our meeting date....6th November

[couple31]

Will do don't worry

Many thanks to all

[couple31]

Well the time is ticking around to our meeting and we are both getting nervous

This is our debts

HSBC Graduate overdraft 1.5k
First Direct overdraft 1k
Student Loan Company(wife) 7.8k
Student Loan Company(husband) 6k
Marbles Credit card 11.1k
Amazon Credit card 4.7k
MBNA Credit card 6.9k
Citi Credit card 1.9k
Tesco Credit card 2.7k
Sky Credit card 4.8k
Barclaycard Credit card 4.6k
Sygma Credit card 2.4k
HSBC Credit card 7.5k
First Direct Credit card 6.7k
Morgan Stanley Credit card 2.4k
Egg Credit Card Credit card 9.9k
Egg Money Card Credit card 1.8k
Goldfish Credit card 4.1k

Totalling just under 90k

We are offering a F+F lump sum iva of 42.5k which my father in law is putting up in place of the equity in the house

After fees, the offer works out at just about 40p in the pound

We have very little disposable income at the moment while my business is getting off the ground so it's this or bankruptcy really

Our I+E's aren't extravagant with basic sky and cheap mobiles the only luxury

We have stated £400 for all food, groceries and household equipment. This is including all the costs, nappies etc of our new baby (due in 3 weeks - arghhh!)

Just hoping it being an F+F will increase our chances, our IP has warned us that we may not get immediate success at the initial meeting but hopefully he's wrong

[aguise]

Hi there couple31
All the very best for yur meeting and the new baby , get some sleep lol

Ang

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

[emma_t]

Good luck for the 6th.

I so hope it goes well for you so you can relax for a couple of weeks before your baby arrives - what a stressful time to be going through an iva!!!!

Fingers crossed for you
Emma x

[plec]

good luck for the 6th

[couple31]

Thanks, both of you

By the way

Does anyone know if First Direct's vote is counted as part of HSBC's percent or if they vote seperately

[Adam Davies]

Hi
Seperately

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[iva experts]

Best of luck for tomorrow couple, and just to echoe Andy's response First Direct and HSBC vote seperately.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

[debbiw]

Good Luck, I have everything crossed for you x

[cr15py]

All the best for tomorrow.

[Lisa2009]

Best of luck for tomorrow, we will all be thinking of you.

mrs skint

[emma_t]

Best of luck for tommorrow couple31
My iva was approved today and i can't tell you what a relief it is...
I will keep my fingers crossed for you
Emma x

[scaredkez]

hope everything is going well today couple, just to let you know i am thinking and praying for you that it will be accepted.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Skippy]

Good luck today x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[aguise]

All the best hope it is going ok fingers crossed and my toes too for you.

Ang

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