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Russ_80

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Post by Russ_80 » Mon Feb 04, 2013 3:02 pm
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Hiya guys [8D]

I thought I would just say Hi. I am in the process of doing a Full & Final IVA and am getting a bit anxious already [:I]

I got Claire from MG calling wednesday to go through my income and expenditure...

Thanks
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Kelly O

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Post by Kelly O » Mon Feb 04, 2013 3:06 pm
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Hi Russ and welcome to the forum :-)

Many of our clients post on the forum and they find it an invaluable source of advice and support so do keep posting.

All the best for your Full and Final, but if you have any questions before wednesday feel free to call the office we are always available for a chat
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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luluj

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Post by luluj » Mon Feb 04, 2013 3:25 pm
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Welcome ...feel free to post as often as you like ...we are here to offer you support and advice before, during and after your iva.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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Russ_80

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Post by Russ_80 » Mon Feb 04, 2013 3:36 pm
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Thanks Kelly and Liz.

Will the meeting on Wednesday be purely to discuss what I spend my money on from day to day then or discuss the bank statements I have sent in?
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TheArtist

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Post by TheArtist » Mon Feb 04, 2013 3:49 pm
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Welcome Russ. Have you got mixed up. Is it a Full and Final settlement meeting or, as I suspect, a determination of your Income or Expenditure?
Completed IVA - August 2012 pheeeeeeeeeew
Only my opinion - Nothing More Nothing Less
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Russ_80

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Post by Russ_80 » Mon Feb 04, 2013 3:56 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by TheArtist

Welcome Russ. Have you got mixed up. Is it a Full and Final settlement meeting or, as I suspect, a determination of your Income or Expenditure?
You got me now! Lol

As far as I know it was to review my details, income and expenditure??

I am confused now [:o)]
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Shining

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Post by Shining » Mon Feb 04, 2013 4:04 pm
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I'm sure the telephone call will explain fully what they want and just wanted to wish you good luck. It can be a bit of a worrying time in the run up to the metting but now you've found the forum you can see what great suppport we can be. Any advice or just a chat we're here x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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TheArtist

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Post by TheArtist » Mon Feb 04, 2013 4:45 pm
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Dont worry Russ. I'm assuming you about to embark on a new IVA. In which case, it will be your initial Income and Expenditure strategy. You are correct in that it will be your monthly expenditures/bank statements etc.
However Russ, please include everything, no matter how frivolous you think it is. You do not want to make yourself short/er from the outset. As Lesley suggests, try and relax and not to worry and have all your paperwork ready for Wednesday. You will be fine.

For future reference, your Full and Final Settlement (F&F) will be something determined further down the IVA line, if and when you are able to offer one. The object of which would be to conclude your IVA. It could be following a 'windfall' (lottery win, bequest or something of that ilk)
Completed IVA - August 2012 pheeeeeeeeeew
Only my opinion - Nothing More Nothing Less
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Russ_80

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Post by Russ_80 » Mon Feb 04, 2013 5:17 pm
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Thanks for that 'Artist'...

It is a new IVA but have been offered a lump sum from my partner to clear my debts so it is a one time offer which hopefully the creditors will agree on.

Does that make any sense?
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Shining

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Post by Shining » Mon Feb 04, 2013 5:23 pm
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It does and we wish you well for a fresh start with your partner.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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TheArtist

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Post by TheArtist » Mon Feb 04, 2013 5:23 pm
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Yes it does!!! What a cracking partner. I wish you luck. Fingers crossed. Please let us know.
Completed IVA - August 2012 pheeeeeeeeeew
Only my opinion - Nothing More Nothing Less
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Russ_80

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Post by Russ_80 » Mon Feb 04, 2013 5:40 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by TheArtist

Yes it does!!! What a cracking partner. I wish you luck. Fingers crossed. Please let us know.
Yep your right there lets hope she doesn't change her mind before the creditor meeting Lol

So from what I said at the beginning of the post is it just a review then of my spending and expenditure? etc

Oh... and apologies for not being clear at the start! :)
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Russ_80

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Post by Russ_80 » Thu Feb 07, 2013 11:47 am
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Hi guys!

Well my phone call with Claire went really well and now have telephone meeting with Sue on Tuesday....

[^]
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Shining

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Post by Shining » Thu Feb 07, 2013 11:59 am
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All good and on the road now to debt freedom. Well done
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Kelly O

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Post by Kelly O » Thu Feb 07, 2013 12:07 pm
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Hi Russ, i am glad you found your chat with claire helpful, it wont be long now and you will have your proposal posted to you :-)
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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