Great News!!!

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sjbyron

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Post by sjbyron » Mon Jul 21, 2008 5:06 pm
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I got the Job in Preston, although a non-nursing job it is clinical and within healthcare audit, my new manager said she will put me through as a priority to get me started the begining of August, otherwise it will be the end of August when I start, I even told them about the problems with my last job, and they said, just to take it as a learning curve and they wont write to them for a reference.

Ive Emailed my IVA firm, to ask whether I could reduce my payments to £130 then increase every year by £30 and include the payments from my HP from 2010, and they said it would be for 6 years instead of 5, but does provide a higher dividend of 31p/£ rather than 26p/£ which creditors are getting at the moment, so they are going to take it to creditors.

And the agency I used to work for has started offering me shifts too! Its finally looking up!
Stu J Byron
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Viki.W

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Post by Viki.W » Mon Jul 21, 2008 5:08 pm
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Stu, that's brilliant news, really happy for you. Good luck for your new job. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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kallis3

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Post by kallis3 » Mon Jul 21, 2008 5:09 pm
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Fantastic news Stu! Good luck with your job and your IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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debtmountain

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Post by debtmountain » Mon Jul 21, 2008 5:20 pm
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Congratulations Stu,[:D] Wishing you all the best in your new job and fingers crossed that your Creditors agree the new amount.

xx
IVA accepted 13/11/2008..17 payments down,55 to go..
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chardonnay

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Post by chardonnay » Mon Jul 21, 2008 5:44 pm
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Super news Stu,
Congratulatioon the new post, extra shifts and your continued clinical career.
Onwards and upwards from here...!!!
Hugs,
Chardonnay
Chardonnay
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MelanieGiles

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Post by MelanieGiles » Mon Jul 21, 2008 5:45 pm
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Well done on receiving that great news. Things are definately starting to look up for you Stu - and good luck with the IVA variation as well.
Regards, Melanie Giles, Insolvency Practitioner
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chris.g

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Post by chris.g » Mon Jul 21, 2008 5:54 pm
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Great news Stu, well done on getting your new job, xx
It's nice to be back......
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plasticdaft

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Post by plasticdaft » Mon Jul 21, 2008 6:33 pm
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Well done Stu. Hope you enjoy the new job.
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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rockbottom

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Post by rockbottom » Mon Jul 21, 2008 7:17 pm
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well done to you i hope you enjoy your new position and everything goes ok with your iva

goodluck
rb
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e.h

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Post by e.h » Mon Jul 21, 2008 7:36 pm
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Well done Stu - brilliant news.

Things are looking up at last!

Liz
x
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sjbyron

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Post by sjbyron » Mon Jul 21, 2008 8:31 pm
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Thanks Everyone

its so nice to have the ongoing support from you all! I dont think I would have the courage to go on and the confidence to continue to do interviews without all your support and excellent insight!

A quick question, if creditors reject, would I have to do a DMP and would a DMP with a start up of £130 increasing by £30 - £50 for every year for debts of £43000 be possible?

Thanks
Stu J Byron
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MelanieGiles

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Post by MelanieGiles » Mon Jul 21, 2008 8:32 pm
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If creditors reject your variation, a DMP is definately possible for you and you could offer staggered payments as you have suggested.
Regards, Melanie Giles, Insolvency Practitioner
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sjbyron

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Post by sjbyron » Mon Jul 21, 2008 8:39 pm
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Thanks Melanie, I am thinking of failing the IVA, and going for a DMP, as if this problem happens again I dont want the same situation, and a DMP would be a little liant, or am I just being silly?

Thanks
Stu J Byron
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MelanieGiles

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Post by MelanieGiles » Mon Jul 21, 2008 8:47 pm
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A DMP can be far more flexible if your income is unstable, Stu, but the downside is that you will continue to make payments until all of your debts have been repaid in full - and interest and charges may well be added on. I would try the variation first as it brings you more certainty.
Regards, Melanie Giles, Insolvency Practitioner
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Viki.W

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Post by Viki.W » Mon Jul 21, 2008 8:49 pm
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Good luck with the variation Stu or whatever you decide. You've had a tough time, you deserve some good news. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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