IVA Accepted! So Happy

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Hippo2413

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Post by Hippo2413 » Thu Dec 08, 2011 2:30 pm
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My IVA was agreed yesterday & I’m so relieved! Although this is my first post I’ve been a regular visitor to this forum over the past few weeks & thought it time to share my experience over the last couple of months.

It was in October this year that I finally realised my finances were in a mess, I’d been borrowing from Peter to pay Paul for years with loans & credit cards and it finally caught up with me as the last credit card approached it’s limit.

Although I had been making all minimum payments to my creditors, I was so worried that my IVA would be rejected because I had A LOT of debt & I could only afford to offer 14p per pound. After the longest 3 weeks of my life my creditor meeting took place on Tuesday 6th December, I was so anxious! To add to my stress there were a few points that my IP was negotiating on with my creditors that caused a delay and another sleepless night! It wasn’t until Wednesday morning that I got the best Christmas present I could have hoped for – a call to say my IVA had been accepted without any amendments!

This forum has been a great support for me, many thanks to everyone; it was so reassuring to know that I was not alone!

If your reading this post & thinking about starting an IVA, I would say act now & do something about it, I know it’s not easy to make that first phone call but you will feel so much better & less stressed knowing you’ve taken the first steps to a debt free future.
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kallis3

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Post by kallis3 » Thu Dec 08, 2011 2:33 pm
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Hi and welcome to the forum.

Congrats on getting the iva accepted. Which company are you with?
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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Hippo2413

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Post by Hippo2413 » Thu Dec 08, 2011 2:37 pm
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I'm using Debt Focus in Wigan, they have been fantastic - I found them before this forum & there's not much mention of them on here.
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kallis3

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Post by kallis3 » Thu Dec 08, 2011 2:39 pm
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I don't know them. As long as you are happy though, that's the main thing
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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nepensioner

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Post by nepensioner » Thu Dec 08, 2011 2:50 pm
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Congratulations[:)]
F & F Accepted 19th Oct 2010
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Alys78

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Post by Alys78 » Thu Dec 08, 2011 4:36 pm
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Hi we were exactly the same, such a great feeling xx well done you ( and everyone that gets accepted!)
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Shining

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Post by Shining » Thu Dec 08, 2011 4:37 pm
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Congratulations from me too, all the best for a smooth IVA. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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plasticdaft

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Post by plasticdaft » Thu Dec 08, 2011 5:23 pm
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Fantastic stuff!

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Broke of London

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Post by Broke of London » Thu Dec 08, 2011 6:02 pm
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That's fab - I hope you're celebrating somehow xx
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