iva approved, I am sooo relieved

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MARSHA

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Post by MARSHA » Mon Oct 22, 2007 6:57 pm
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My IVA was approved today. My meeting was at 11.15,my IP phoned at 11.48am and left a message, saying it was good news. I called back he was on the phone, then we had a fire alarm!!!! I evenually spoke to soeone the office at 2.15. It has been approved with some modifications, they seem to be around wording and what is classed as a breach etc. the company (clearstart) have lowered their fees as thats one of the creditors mods.
I am sooo relieved.
I have found great comfort in this forum and will continue to post, I aim to come along to one of your meetings, I would like to put a face to some of the names on here.
Thank you so much,from now on I will only be spending what I can afford,that may mean less luxuries but I dont care, this is a second chance and I am grasping it.
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Adam Davies

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Post by Adam Davies » Mon Oct 22, 2007 7:08 pm
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Hi
That really is good news and you are more than welcome to any of our meetings.
Please post the voting details when you receive them
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Andam Davies
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spenmotherhen

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Post by spenmotherhen » Mon Oct 22, 2007 7:23 pm
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Congratulations great news!!
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MARSHA

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Post by MARSHA » Mon Oct 22, 2007 7:35 pm
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I didnt know I would get the voting details. I will post them on with pleasure.
Thanks.
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aguise

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Post by aguise » Mon Oct 22, 2007 7:35 pm
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Great news Marsha well done. relax for the evening.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/
Please visit my blog at http://aguise.blogs.iva.co.uk/
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mikebdomain

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Post by mikebdomain » Mon Oct 22, 2007 7:36 pm
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That's great news Marsha

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
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Specialising in adverse credit.

Firm FSA No:313790
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see feedback and testimonials at:
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Check out my blog at:
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LEYBRIDGE LIMITED
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lily

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Post by lily » Mon Oct 22, 2007 7:42 pm
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Well done, good luck with everything.

lily
lily
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maxdebt

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Post by maxdebt » Mon Oct 22, 2007 8:07 pm
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Well done Marsha a great result!! [:D]
My thanks to Melanie and her team :)
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MelanieGiles

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Post by MelanieGiles » Mon Oct 22, 2007 8:24 pm
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Did any of the creditors ask for an increase in payments Marsha? As this seems to be the norm these days.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Regards, Melanie Giles, Insolvency Practitioner
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MARSHA

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Post by MARSHA » Mon Oct 22, 2007 9:08 pm
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No Melanie, I will have annual reviews and will need to produce a p60 along with 3 payslips. There was no mention of creditors wanting more money. A representative of the company did go through all with me. They will send me the paperwork along with a standing order form.I was suprised to be honest, I thought they would want a better return. I guess over thefive years they will get a better return as my pay will go up 3,000 in that time to what it is now, thats before cost of living pay rise.
My first payment will go out next month.
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Rainbow

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Post by Rainbow » Mon Oct 22, 2007 9:19 pm
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Excellent news Marsha and welcome to the club!

Rainbow

Every Cloud has a silver lining. At the end of the Rainbow is a Pot of Gold - Or Hope!
Every Cloud has a silver lining. At the end of the Rainbow is a Pot of Gold - Or Hope!
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Shining

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Post by Shining » Mon Oct 22, 2007 10:15 pm
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Excellent news Marsha! I've been looking out for this post and now found it! Bet you're relived and on the way to be debt free. Good luck for the future.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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MARSHA

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Post by MARSHA » Mon Oct 22, 2007 10:25 pm
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Thank You so much. I know its a long road!!! all cards have been shredded weeks ago. Any budgeting tips for me?
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scaredkez

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Post by scaredkez » Mon Oct 22, 2007 11:05 pm
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marsha i have been logging on and off all day to see how you got on so pleased it was accepted for you, good luck in your debt free future!
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
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Skippy

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Post by Skippy » Tue Oct 23, 2007 8:58 pm
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That's really good news Marsha - good luck for the future 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/
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