Thanks Mrs Brown! Wow I bet you’re buzzing to be very nearly done. That thought did cross my mind, if history has taught me anything it’s that I definitely tend to adjust my spending to what I have... but it would be nice to break that cycle. In agreement with you in terms of food too - can actually...

That makes sense!

And thanks both, looking forward to being able to somewhat relax over the next 5 years without the mass debt looming over my head and knowing there is light at the end of the tunnel

Agree with you on the summer part! Fingers crossed for us all haha

It was accepted! £315pm for 60 months. What a relief. Only 3 of the 6 creditors even responded but all voted yes so got 100% approved based on that! Natwest, Mr Lender & 118 🙌 Does anyone have advice r:e saving money..? They advised I shouldn’t be able to, but in reality it’s probs best to save some...

I will do - thank you!
I've actually had a really good weekend where I managed to relax, so ready no matter what the outcome today. Although I am excited/nervous!

Just wanted to add, I'm so dense.. Really couldn't figure out what you meant by the votes are counted by who votes on the day. I really had it in my head that if someone didn't vote, it's an automatic no. googled to clarify and got "If a creditor does not cast his vote, then their vote will be count...

Thank you, and I will do! I'm feeling a bit better about the fact that if it doesn't go through, there are other options available.

That's so nice of them!

Thanks again for all your support! I think I've sat and read so much stuff and guidance online that I'm getting myself panicked, confused, excited, calm... whole range of emotions! I got a letter from NW today acknowledging they've been told of my proposal, what next steps are if it gets accepted or...

But Natwest have like 72% it’s not enough... I know they may well vote no but it’s so frustrating that the others haven’t gotten back to them yet. The other is 0.7, that’s nothing. I’m right in thinking it’s a strict 75% value of the debt aren’t I? They don’t hold enough...

Hi folks, Just an update and after a bit of advice if possible for people who have been in similar situations... I’ve called today to follow up and see if I can find out who’s gotten back to IVA company now. They said only natwest and mr lender have. Natwest is my biggest creditor, but just hits aro...

If Natwest don’t go for it then it’s all over but I’m feeling a bit less stressed right now. Peaks and troughs... thanks again to both and I’ll update with the outcome!
Really great forum too been reading for hours loads of similar situations & making me feel a bit more at ease!

Thanks both! I’m a bit worried as I relooked over my proposal and they’d written it out a couple of weeks back now & based on that it looks as if Natwest have 72% of the value, however some of the money owed to them has increased due to having to survive in my overdraft (I was only part way through ...

<t>Just looking for a little reassurance. Applied for an IVA through Debt Movement UK, they've been great and supportive and I followed up with them Friday and have been told my expected creditors meeting will be 17.5.21. I'm just so anxious! <br/> I have a total of 24k debt, 18.3k of that is with N...