I remember the waiting feeling well[:(] It's not in your IPs' interest for a IVA to be rejected,so they do their very best to put the best offer to the Creditor for you [:)]
I'm sure you'll be fine. I went to work as I didn't want to sit at home obsessing and counting the minutes but lots of people do seem to prefer waiting at home for the result. Just do whatever gets you through!! x
glad it all went well for you and maybe life will become a little less stressful now tracy,after all id say most off us on this forum are skint or going skint or have been skint,i hold my head up high and say it happens to the best off us
never cment on me speling its rubbish and i didnt go to schola lot okk
made bankrupt 1st august 2012 at 10.00am
now disharged so bankrupt no more thank god im free of debt now
Anyone addressing their debt problems should be congratulated. For every 1 of us there's probably 9 others still with their head in the sand.
There's no need to feel embarrassed or ashamed. The banks caused this (before anyone shouts at me - I know we didn't have to spend it!) by throwing credit at people for years. One of my creditors actually wrote me a lovely personal letter wishing me well prior to the meeting.
We were so skint before the IVA and it has been lovely to have some money left at the end of the month (even if it is only £10). I cannot remember the last time prior to entering the IVA that we were not into our overdraft.
Tracey - it's normal to feel you'll be the one rejected. Every time I saw someone accepted in the run up to the meeting I thought we would be the rejection. We did have to agree to a moderation as our IP put the maximum recommended figure for smoking and we were asked to take £40 off this a month. A small price to pay to sort our lives out.
Yes, we spent the money, but the banks were pretty voracious in handing it out. As for shame ---- there isn't any. We are sorting this out (unlike the banks themselves who acceptedbail outs and are still throwing money away like water ...... which makes them pretty much among the biggest hypocrites on the planet when they are dealing with us!)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I echo your words Kazza,I used to feel guilt about the mess I had got myself in. Now I think "I'm a good, honest,hard working person who has never harmed anyone of anything"[:)]
I still feel like a right prize for messing up my life! I'm 33 and haven't had a holiday in the sun for 6 years, don't own anything of value and live in a studio flat! The iva was actually the first sensible financial decision I ever made [:)].
