IVA APPROVED!!!!!!!

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Gaggle

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Post by Gaggle » Fri Jan 29, 2010 1:39 pm
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I apologise if this post is in the wrong bit! (It's my first one) After many months of burying our heads in the sand, and trawling this forum for invaluable information, hubby and I decided to contact Melanie for advice and she and her team put together a proposal for each of us which was approved this morning.[:)]- with a couple of modifications.I cannot thank this forum (and Melanie and her team of course) enough. Although I have not posted before, I have read the posts and can identify with the feelings of guilt and shame. I have always been a "glass half empty" sort of gal, but now there is a light at the end of the tunnel! Once again thank you!!!!
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Michael Peoples

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Post by Michael Peoples » Fri Jan 29, 2010 1:41 pm
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Congratulations Gaggle and welcome to the Forum. Another success for Melanie and her team.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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Simbel

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Post by Simbel » Fri Jan 29, 2010 1:44 pm
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Congratulations from me too! [:D]
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plasticdaft

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Post by plasticdaft » Fri Jan 29, 2010 1:44 pm
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Welcome to the new start that we all deserve Gaggle.


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

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Post by Shining » Fri Jan 29, 2010 3:28 pm
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Fab news and you're with the best IP I'm sure of that.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Max

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Post by Max » Fri Jan 29, 2010 4:16 pm
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Many congratulations to you and to Melanie
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Darkdog

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Post by Darkdog » Fri Jan 29, 2010 4:26 pm
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excellent news, you must be so relived. we hope to be making a similar post in a few weeks time, were the modifications major and have much impact on your initial proposal, if you don't mind me asking
Last edited by Darkdog on Fri Jan 29, 2010 4:29 pm, edited 1 time in total.
many a mickle makes a muckle ...... if only I hadn't spent all the mickles
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Skippy

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Post by Skippy » Fri Jan 29, 2010 5:56 pm
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Congratulations and good luck with your IVA x
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Julie

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Post by Julie » Fri Jan 29, 2010 5:58 pm
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Congratulations to you and Melanie's team!

xx
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kallis3

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Post by kallis3 » Fri Jan 29, 2010 11:10 pm
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Welcome to the forum Gaggle, and congratulations!
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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MelanieGiles

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Post by MelanieGiles » Sat Jan 30, 2010 12:05 am
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You both deserve today's result, and I and the team are delighted for you and look forward to working with you over the next few years.
Regards, Melanie Giles, Insolvency Practitioner
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Tina Shortland

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Post by Tina Shortland » Sat Jan 30, 2010 10:47 am
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Congratulations - what a relief that must be for you both. Have a very happy weekend, I am sure the world will feel a much more settled place from now on.

Best regards,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
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MRBLUESKY

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Post by MRBLUESKY » Sat Jan 30, 2010 6:37 pm
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congratulations from me gaggle.and well done to melanies team again,have a great weekend and good luck to your future.
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kallis3

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Post by kallis3 » Sat Jan 30, 2010 6:39 pm
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Do keep posting Gaggle to let us know how things are going.
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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Gaggle

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Post by Gaggle » Sat Jan 30, 2010 7:53 pm
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Hi Darkdog,
Modification was to do with the pet insurance, we have 2 large dogs, they felt that we were paying too much (£67.) so only allowed us £29. and the phone/mobiles and broadband was knocked back from £114 to £98. so we pay an extra £54.
The upside was that they allowed for my figure for smoking (Yes I know!!!) of £75.00 which to be honest shocked me!
I was advised by Mel prior to the proposal that these were sticky but I am more than pleased with the result.
I must admit that I feel much better yesterday and today than I have felt for many months, and long may it continue, the kids have their "old" mum back!!
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