IVA verbally approved - just waiting for written

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clairec1

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Post by clairec1 » Sat Jun 02, 2012 11:35 am
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I just wanted to post about how helpful I have found this website and forum. I chose McCambridge Duffy to help me sort out my extreme financial mess after having conversations with a couple of other IP companies. I didn't get a good feeling about the others - too pushy and sales focussed - I just felt like they'd say anything I wanted to hear to get me to sign up. McCambridge Duffy have been the complete opposite. I have always felt like they cared and really wanted to act in my best interests. They've also managed to do something I would have never dreamed possible and negotiate a one off lump sum IVA of £13k to be paid back in one year - from my original debt of £46k. There have been some issues along the way but they have persisted and pulled everything out of the bag to help me have a brighter future!

Thank you so much to all of the people who have helped me - Olivia, Connal, Ross and Daniel, my IP. Such a warm and professional bunch of people. I can't recommend the company highly enough. I don't think these one off payment IVAs are very common but if you are able to raise some cash in a shorter period of time they are well worth considering. I can now see light at the end of the tunnel and hope to be debt free soon.

Good luck to everyone experiencing debt problems on this forum. I hope you can become debt free soon too.
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ginger3232

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Post by ginger3232 » Sat Jun 02, 2012 11:39 am
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clairec1 - Welcome to the forum, hope you hang around and post your experience as it may just help another person, coming to terms will their finanical situation. Or just join in the conversations on the forum
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Niobe

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Post by Niobe » Sat Jun 02, 2012 11:40 am
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Hello,

Congratulations on your iva acceptance and well done to McCambridge Duffy.
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dipsy

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Post by dipsy » Sat Jun 02, 2012 6:01 pm
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Well done Claire and congratulations on getting your IVA approved. Well done McCambridge Duffy too.
Take what life throws at you and hold your head up high. You're only human after all!!!
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kazzafunk

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Post by kazzafunk » Sat Jun 02, 2012 6:36 pm
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Great news Claire - you can now move on to a debt free life.

Well done McCambridge Duffy for another great result.
Kazza

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

IVA completed 21/03/2012
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Shining

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Post by Shining » Sat Jun 02, 2012 7:48 pm
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Welcome from myself too. Do keep posting. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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MelanieGiles

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Post by MelanieGiles » Sun Jun 03, 2012 11:12 pm
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I think that full and final settlement based IVAs are pretty common - we do a lot of them in my firm if third party monies or surplus assets are available. Well done to all concerned in getting your case accepted.
Regards, Melanie Giles, Insolvency Practitioner
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Broke of London

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Post by Broke of London » Sun Jun 03, 2012 11:19 pm
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Congratulations! It's reassuring to hear of people having such positive experiences x
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Michael Peoples

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Post by Michael Peoples » Tue Jun 05, 2012 10:25 am
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Congratulations and many thanks for your kind words which I will pass on to all concerned. Hopefully you will be discharged in the very near future and you can move on with your life.
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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Olivia Young

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Post by Olivia Young » Tue Jun 05, 2012 10:55 am
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Hi Claire

Welcome to the forum...glad we can help and I'm so happy for you.

We discussed all your options in detail before you finally opted for the IVA. It was originally based on monthly contributions but the lump sum is a great way for you to clear your debts a lot quicker.

I hope everything works out for you and let us know if you have any queries.

All the best [:)] x
Olivia Young | 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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macface1980

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Post by macface1980 » Thu Jun 07, 2012 12:26 pm
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Hi Claire,
Congratulations on the IVA approval and good luck with it. Taking out an IVA is the best thing I ever did regarding my finances :-)
x
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Shining

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Post by Shining » Thu Jun 07, 2012 1:41 pm
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Congratulations from me too x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Tina Shortland

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Post by Tina Shortland » Thu Jun 07, 2012 1:59 pm
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Welcome to the forum Claire and congratulations on your IVa being approved - I am sure the world feels a different place already.
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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pennieless

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Post by pennieless » Fri Jun 08, 2012 1:35 pm
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Thats great news claire good luck
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luluj

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Post by luluj » Fri Jul 06, 2012 6:49 am
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Congratulations and welcome to the forum.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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