Helen/Melanie,
Just as I suspected, can't blame me for asking !
I'm sure we'll manage somehow and keep our fingers crossed that she can get a part-time job (I'll just have to be her unpaid taxi driver for lifts to/from work!!!)
All the best [:o)]

Hi, My daughter is due to start college in September and naturally will need money for various bits and pieces. I looked into the EMA but seeing as our joint income is above the threshold not sure if we can be considered. Does anyone know if we apply and let the decision makers know of our circumsta...

Hi everyone ! Just thought I'd pop by and let you know how things are going..... Where has the time gone ?? Three months into the IVA and our lives are so different. Main thing I've noticed is a lack of thuds on the post mat! I only wish that we'd done this sooner, but hey with hindsight we wouldn'...

Fantastic news RooRoo - we make our first payment on 2nd January - so we'll be able to make this journey together !! Sixty months and we'll be debt free and "in the money".
Catch up soon
Sue xx

Congratulations!!! Were there any modifications? Enjoy your coffee [:D] xx No modifications - they just need confirmation that the £66 a month my OH pays for his pension is the minimum ! As if it wouldn't be the situation didn't enable us to pay any more ! RooRoo - Good luck for tomorrow !!! I've f...

OMG OMG OMG - IVA was accepted !! Thank you all for your words of support - they really helped.

Off to have a celebratory coffee now !!

Sue x[:X]

good luck for today not long now at all! i know exactly how your feeling! x Only 3 hours to go now! OMG I feel so sick [V] Becca I have adopted you as my lucky omen, as you are the last post I am going to read today and you also happen to share the same name as my daughter ! Will be back to you all...

MRBLUESKY wrote:

hi wasp good luck for tomorrow it does,nt really matter about the size of the divi,a good ip representing you is more important.

Julie,
Meeting is scheduled for 3:30 p.m. - gonna be a long day ! Will let you all know as soon as I hear something !

Sue x [xx(]

Hi All !
Thanks for your words of encouragement - its going to be a long 30 odd hours but hopefully I'll be able to post some good news tomorrow! [?]

My IVA is due to be heard on Wednesday - we are offering 61p in the £ - is this a good offer ? Getting really anxious just incase it isn't accepted !

Hi all ! I've just had a really difficult telephone conversation with MBNA (from lady in India!) with the caller telling us how risky an IVA is, that they could help us (only a fifth of our debt is with them) by freezing interest for 3 months if we made a payment etc. I advised them that we were not...

Hi Cath,
Good to hear from you - good luck to you too !
I'll keep this site posted as to my progress - would love to know how things are going with you.
All the best,
Sue

We have taken that step, and although I feel relieved at times that things are moving forward, I am still petrified ! Grant Thornton have just collected our paperwork to put the wheels in motion for our IVA (debt of 90k - ouch) Am in right in assuming that if our IVA is accepted and once a payment a...