Just had a call!

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kallis3

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Post by kallis3 » Mon Aug 18, 2008 10:45 pm
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Scary!!!!!!!!!!![:D][:D]
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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Til

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Post by Til » Mon Aug 18, 2008 10:49 pm
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Ha ha! [:D] OH leaves the room when I am power-ironing!!! He says all he can hear is me bashing the life out of the ironing board - mind you it gets rid of any pent up adrenaline and you get some work done too [;)]

Could be a new sport for the Olympics to consider???!!! [:p]
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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james.c

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Post by james.c » Mon Aug 18, 2008 11:12 pm
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i remmbering feeling like that, and shaking, but i think the shaking is a bit of a delayed reaction to getting in to a IVA and knowing your debts are in the past and re-building, it seams to good to be true when your just starting an IVA
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Til

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Post by Til » Mon Aug 18, 2008 11:15 pm
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Think you could be right james.c - bit of a delayed reaction to all the worry [:I] and yeah feels like we've won a prize at mo although fully aware the next 71 months will be tough going - still feels so much better than before though so it was probably just releif hitting me when I took the call!!
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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james.c

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Post by james.c » Mon Aug 18, 2008 11:31 pm
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do you mind if i ask why yours is 71 months when most like mine is 60 months?
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Til

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Post by Til » Mon Aug 18, 2008 11:41 pm
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Hi James - no I don't mind at all...
Unfortunately we had Northern Rock in our list so they requested that we pay for an extra year as it seems unlikely they will get much if any equity out in year 4 - hence 72 payments in total [:(]

Never mind though - better that than saying no and we still only pay 27p to the £ at our current levels so they weren't being unreasonable really
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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james.c

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Post by james.c » Mon Aug 18, 2008 11:43 pm
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well from what i have heard about NR on this forumn they seam turn down alot of IVA's so it doesnt seam that bad at all
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Til

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Post by Til » Mon Aug 18, 2008 11:45 pm
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No we thought so too and went in to it expecting the 6th year so it was all as planned really.

Just after we got accepted NR turned down about 3 IVA's on here alone so guess we were lucky ones [:)]
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr

IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
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