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Foggy

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Post by Foggy » Fri Dec 17, 2010 11:29 am
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Hi there. First time poster here, at the 11th hour (literally). Really wish I had discovered this forum earlier.... but too late now... creditors meeting is in just over an hour ( and I am bricking it!).

Basically got into this mess through a combination of awkward employer and stupidity. A few years ago I was "promoted", with a 6 grand a year payrise. After getting the usual congratulatory letter and a start date for the new position I stupidly increased my borrowing ( well within the affordability of the new job).Five weeks later and the day before I was due to start my employer reneged !!!![B)]

However, all was not lost. The post I was already in was due to have a 7 grand increase this year, (under the current pay agreement) so I thought I could "limp" along until then. ..... Guess what ? New Coalition comes in -- freezes everybody's pay and I don't get this pay increase either !!! [:(!] So, am forced to admit defeat and go for IVA.[:(]

Fingers crossed, hey [:D]
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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liamjames

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Post by liamjames » Fri Dec 17, 2010 11:46 am
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Best of luck and welcome to the forums.

Try not to count the minutes! :)
Take care,

Liam James
Varden Nuttall
http://www.vardennuttall.co.uk

Read our reviews here: http://www.iva.com/iva_companies/Varden_Nuttall.asp
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Foggy

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Post by Foggy » Fri Dec 17, 2010 12:15 pm
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Thank you Liam :-)
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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kallis3

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Post by kallis3 » Fri Dec 17, 2010 2:32 pm
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Welcome from me as well. Hope the meeting went well.
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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Foggy

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Post by Foggy » Fri Dec 17, 2010 3:06 pm
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Thank you Kallis --- for my 3rd post -- I was able to put an IVA acceptance up in that board !!!! Sooooo relieved :-)
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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kallis3

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Post by kallis3 » Fri Dec 17, 2010 3:11 pm
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Excellent!
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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Shining

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Post by Shining » Fri Dec 17, 2010 4:09 pm
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Welcome from myself too and glad you're IVA has been accepted. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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