IVA Approved!!!

[debbiw]

Well done. I bet that's a weight off your mind

[hymers]

well done Sharon and have a peaceful Xmas now this is sorted out I know what a relief this will be to you I am 14 months into my IVA

BEST WISHES
J

[cr15py]

Well done to both of you [:)]

[Adam Davies]

Hi
Good to see both of the above with payment plans suited to the changing circumstances of each person.
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

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

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

[emma_t]

Good news Sharon [:)]
I think a lot of creditors are asking for more through modifications, trying to squeeze out every last penny.
One of my modifications was also any unclaimed money to be divided up between creditors.

I am 2 payments down now and I have noticed such a reduction in post comming through my door - even my postie commented on it!!!!
I used to get lots of statements and other mail associated with credit cards but somedays I have no post at all now which is fantastic. Also the calls have all stopped now, got some for about a week after iva was approved but nothing more since which is great also. I am no longer avoiding anything!!
Good luck on your road to being debt free[:)]

[marsha1]

Fantastic news for both of you. Im really pleased for you.

[SharonR]

Hi All
I really appreciate all the comments!!

This forum has been a god send to me, not so long ago I was so stressed, crying all the time and really horrible to my family all because of debt.

I just hope that anyone else that is in a desperate situation about debt realises that there is light at the end of the tunnel.

I will post results of creditors meeting as soon as I receive them. It will be interesting to see how MBNA and Halifax voted as I have read on the forum that they sometimes vote against IVAs.

Thanks
Sharon

[MelanieGiles]

Another lovely post congratulating the IVA community for help and support during a difficult period. Well done to all of those involved in iva.co.uk, and congratulations to Sharon for a debt free future.

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

[caraf]

Fantastic news SharonR. I have been trying to find out your outcome for a while. Brilliant news, you can sleep better now and enjoy Christmas a little more now knowing there will be no bills in January.
Who were you creditors ?

[SharonR]

Hi Caraf
Thanks for the support!
My creditors are:

Natwest (loans/od/cc) 25K
Halifax - 11k
MBNA - 12K
Barclaycard - 3.5K
Inland Rev - 4K
Severn Trent - 2K
Royal Bank Scotland - 2K
The rest are small ones such as Sky/Freemans

Iam so pleased it is all sorted.
Looking forward to a stress free Christmas!!

[aguise]

Great news for you sharonr.You relax and enjoy christmas now.

Ang

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