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by NotSoBrightSpark
Thu Jul 17, 2008 10:05 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Debbie.

Just need to focus on moving house now.Then'll I'll take it from there.

NSBS
[;)]
by NotSoBrightSpark
Thu Jul 17, 2008 6:55 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Chris,you're a star.I wasn't aware of this at all. The OR said she would contact our mortgage company and inform them of the situation and advised us to do the same,which I'm going to do sometime next week. I'll also ask for that council tax exemption form (when they are back at work!) Once a...
by NotSoBrightSpark
Thu Jul 17, 2008 6:41 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Viki,much appreciated.

There are still a few matters to resolve,so I'll be posting back anyway.I shall continue to post on the forum in the future too.It has been a godsend to us!


NSBS (a happy man for a change)
[;)]
by NotSoBrightSpark
Thu Jul 17, 2008 6:36 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks again Chris.

I feel better already.The 'weight off your shoulders' comment really does seem to be true in my case.And people think moving house is stressful.It'll be a breeze compared to what we've been through!

[;)]NSBS
by NotSoBrightSpark
Thu Jul 17, 2008 6:22 pm
Forum: postings for july
Topic: is it normal not to hear anything ?
Replies: 7
Views: 1333

Natalie,

Our IVA was through The Debt People.I have to say they have been really good with us right from the outset.Even now,as a bankrupt they are still giving us sound advice and are still easily contactable.

In my experience,you're in safe hands.

Good luck!

NSBS
[;)]
by NotSoBrightSpark
Thu Jul 17, 2008 6:01 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Hello everyone,[:)] Well we had our interview with the Official Receiver yesterday,we were informed by letter around four days before the actual interview date that it would be by telephone. The OR phoned precisely at the given time,introduced herself and asked me how I was.All very pleasant,though ...
by NotSoBrightSpark
Mon Jul 14, 2008 7:49 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Skip.

My telephone manner is usually short and to the point,so I might be ok. [:)]

NSBS
[;)]
by NotSoBrightSpark
Mon Jul 14, 2008 7:34 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Cheers Chris.

You're a diamond!

NSBS
[;)]
by NotSoBrightSpark
Mon Jul 14, 2008 7:30 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Skippy. This may sound strange but I'm actually looking forward to the OR interview.We have nothing to hide,we are going to be totally honest and we are so looking forward to a healthy,debt free future. We may face some tricky questions,we may hear some things that we do not like but we are a...
by NotSoBrightSpark
Mon Jul 14, 2008 7:23 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Viki.

Your kind words are much appreciated.

NSBS
[;)]
by NotSoBrightSpark
Mon Jul 14, 2008 7:12 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thank you kindly Jan.

And very good luck with your IVA too [;)]

NSBS
by NotSoBrightSpark
Mon Jul 14, 2008 7:06 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Hello again, We have our OR interview on Wednesday at 1330,which will be by telephone.Very prompt after our court appearance I must say.Not sure wether that's a good thing or not [8)] Still,the sooner we have the interview,the sooner we can plan ahead for the future. Regards NSBS [:)] Be back Wednes...
by NotSoBrightSpark
Tue Jul 08, 2008 9:27 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

I am sure you are right Chris.And a big thank you for all the useful advice you have given me!

Took us a while to get there but I'm sure we've made the right decision in the end.

NSBS
[;)]
by NotSoBrightSpark
Tue Jul 08, 2008 8:38 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Will do!

NSBS
[;)]
by NotSoBrightSpark
Tue Jul 08, 2008 8:18 pm
Forum: postings for july
Topic: In IVA but considering bankruptcy
Replies: 113
Views: 14922

Thanks Skippy.

Best of luck to you too.I found your blog very helpful so thank you for that.

Regards
NSBS [;)]
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