IVA ACCEPTED TODAY OH MY GOD!

[aguise]

Best way to be Sarah. Dont accept anything your not happy with.
All the best to you.

Ang

[sarah1975uk]

Am on a mission of damage limitation lol. Feeling quite positive at the moment but on this ever winding rollercoaster, im bound to be up and down again. I just hope with all i have, all goes well for me tomorrow.

Thank you for eveyone's help & Support xx

[tracy.h]

Goodluck for tomorrow Sarah,just remember at the end of the day you have done your best if the creditors can't see this then more fool them.
As you rightly say you are not prepared to let your children and why should you.

[tracy.h]

Sorry bout that bit trigger happy on the mouse what i was trying to say was you are not prepared to let your children suffer and why should you.
I hope you will be able to keep your house if you go BR,that will be one in the eye for your creditors,after you have offered to pay back as much as you can they will get nothing it just seems so unjust that you try your best and still get nowhere.
As i said i really do hope things will pan out for you.

Tracy x

[sarah1975uk]

Silly thing is i have been paying into a DMP for the last 18 months just to keep the wolfs from the door so to speak. Until i could get enough courage to deal with my debt properly and in a way that would rid me of it.my DMP payments over the last 18 months have been no where near as much as ive offered in the iva, not quite sure what these creditors are on but i see my iva as an attractive proposition against DMP or ultimately Bankruptcy,

Thank you for eveyone's help & Support xx

[sarah1975uk]

Well Today Monday D day. Pretty much came and went iwth out a call from the ips office (as promised friday!)after 2 calls to them myself basically to be told havent heard back yet on the attempt to try and get the original proposal up and running. Been told though that because its not been an out right NO today that they are seriously consiering it because i have stated i will go br if they dont. Hopefully should get a call tomorrow morning (again as promised) we shall see. Got everything still crossed all will be ok. God knows i need some resoloution my head feels as though its going to explode with the stress levels.

Thank you for eveyone's help & Support xx

[sarah1975uk]

All going well so far creditors agreed not to touch the house by way of equity release in the 4th year or put charge on this has been aggreed to today!. They want extra money per month have said i cant afford the extra £150 i have offered them extra £50 per month into iva from my food budget, final amount per month being negotiated. Should get final end to this tomorrow HOPEFULLY! My head is still banging! But im hopefully getting the result i wanted SLOWLY! xx

Thank you for eveyone's help & Support xx

[lily]

good luck sarah

lily

[sarah1975uk]

Thanks Lilly will keep everyone informed as to the outcome xxx

Thank you for eveyone's help & Support xx

[tracy.h]

Hi Sarah
Hope you get good news but please make sure you can afford the £50 will you manage to feed you and the children on £50 a month less than you budgeted for.
5 years is a long time to struggle if the iva payments are not realistic.
Good luck,let us know how you get on x

[Skippy]

Good luck Sarah, I hope it works out for you 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/

[sarah1975uk]

Am today a really happy bunny! MY IVA HAS TODAY BEEN ACCEPTED!!!!!! woohoooo pleased as punch. Just goes to show i stood my ground and got what i wanted in the end. Thank you so much to EVERYONE for their love and support throughout what has been a hellish time. Am still in shock and am sure it will take time to sink in. FEELING ON TOP OF THE WORLD XXXXXX

Can someone please give me the benefit of their experience on how to budget and handle money whilst in an IVA.

To everyone that is either waiting for their IVA to be accepted or not sure what way to turn. I promise things can be sorted out with a bit of perseverence...Never give up xxx

Thank you for eveyone's help & Support xx

[iva_squirrel]

Hi sarah,

Congratulations! I wish you all the best!

Regards,
Michelle P.

[lily]

well done sarah, really pleased for you.

lily

[sarah1975uk]

perhaps tonight i will be finally be able to get some sleep ..maybey not im too excited lol xxxxx

Thank you for eveyone's help & Support xx