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Meash

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Post by Meash » Mon Aug 11, 2008 5:20 pm
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Well Northern Rock rejected our offer, and despite all others agreeing, as the largest creditor the IVA failed.
They didn't give a reason, so my IP is trying to find out why. Meeting now arranged for next Monday. I am absolutely gutted. Don't know which way to turn.
I can't believe I am putting my family through this.
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kallis3

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Post by kallis3 » Mon Aug 11, 2008 5:23 pm
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Oh Meash, I am so sorry to hear that.[:(]

What meeting is this on Monday? Is your IP going to try and talk to them?

You can always start a DMP now and try again a few months down the line, or, as a last result, go BR. At least then you would be able to start again with a clean sheet.
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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chardonnay

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Post by chardonnay » Mon Aug 11, 2008 5:24 pm
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Oh Meash,
I'm so sorry. Try to keep positive and one of the experts will be along soon to give you advice. You will get through this and we are all here behind you to support and help you.
Have sa drink and wait for an expert,it's not over till the fat lady sings....as they say....you have time yet to find the right solution for you.
Lots of hugs,
Chardonnay
Chardonnay
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Meash

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Post by Meash » Mon Aug 11, 2008 5:26 pm
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Thanks guys,I just kept hoping that it would be accepted. BR is a massive step, i have young twins so to lose our home would be terrible.
Mt IP is trying to get some reason from NR and will try again with them by next Monday
Last edited by Meash on Mon Aug 11, 2008 5:29 pm, edited 1 time in total.
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Viki.W

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Post by Viki.W » Mon Aug 11, 2008 5:36 pm
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I've just posted on the other thread, sorry didn't see this one. I am so very sorry meash. I hope you can get some better news next week. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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Til

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Post by Til » Mon Aug 11, 2008 6:15 pm
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So sorry Meash - hang on in there though sometimes NR can be difficult but agree in the end...

You will come through this hun - just time is all... I'm keeping everything I have crossed for you to get sorted really soon xx
"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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plasticdaft

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Post by plasticdaft » Mon Aug 11, 2008 6:19 pm
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Arent the SIVA's coming out in the next wee while,they require less % of the vote so you may be able to trot along in a dmp for the time being and apply when they start to operate(not sure exactly when they are coming out though)
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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stressed_suzanne

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Post by stressed_suzanne » Mon Aug 11, 2008 7:35 pm
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I'm sorry Meash :( And having to wait another week it's just horrible. Try and keep positive, hopefully your IP can figure out NR's reasoning and come to some sort of agreement.
Suzanne
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facingittogether

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Post by facingittogether » Mon Aug 11, 2008 7:38 pm
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HI

SO SORRY THAT YOU ARE STILL HAVING TO HAVE ALL THIS STRESS! I REALLY HOPE YOUR IP CAN TALK THEM ROUND!
THINKING OF YOU

LOVE BARB X
12 down - 60 to go! woo hoo!
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natasha.j

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Post by natasha.j » Mon Aug 11, 2008 7:47 pm
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Hi
We are in the same boat as you,we have 3 children and don`t really want to face bankruptcy as it seems a scary thing. our first meeting ws on the 31st July and it was rejected by them. We had another meeting on the 7th of august which again was still no. We are waiting until this thursday now for our last meeting. It is horrible waiting and not actually being able to do anything. fingers crossed that yours will be a `yes` next time.
good luck
Last edited by natasha.j on Mon Aug 11, 2008 7:48 pm, edited 1 time in total.
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Shining

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Post by Shining » Mon Aug 11, 2008 7:48 pm
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I am so sorry to read this, hope your IP can sort something and if not Helen gives good advice above. Thinking of you xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Meash

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Post by Meash » Mon Aug 11, 2008 8:03 pm
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Natasha, do they give any reason for your rejection? or was it just a no too?
I really hope that this Thursday is a Yes for you to.....it will give me hope.
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moretolife

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Post by moretolife » Mon Aug 11, 2008 8:07 pm
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hey there natasha and meash...i am sooo sorry for you both..i cant imagine how it must feel to have this hanging over you...especially with young children

hang on in there and stay close to the forum..we are all rooting for you
IVA completed 11th Dec 2009 due to a Full and Final with the fantastic help of Michael Peoples and
Mc Cambridge Duffy

Visit my blog...Journey from Debt to Life Post IVA
http://moretolife.blogs.iva.co.uk
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Lisa2009

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Post by Lisa2009 » Mon Aug 11, 2008 8:13 pm
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So sorry to both of you and i really hope you get this sorted and soon xxxx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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emma_t

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Post by emma_t » Mon Aug 11, 2008 8:20 pm
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Thinking of both of you at what must be an extremely stressful time, I hope it turns out ok for both of you[:D]

Keep in touch with the forum and eachother and it will help you through,
Best wishes
Emma x
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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