Shock horror is there anything we can do ?

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Ivoryfalcon

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Post by Ivoryfalcon » Fri May 20, 2011 5:30 pm
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Great news Gina.gu Best wishes for the future.
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Gina.gu

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Post by Gina.gu » Fri May 20, 2011 5:30 pm
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Thanks all :)
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Pandy

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Post by Pandy » Fri May 20, 2011 5:37 pm
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Gina forgive me but I am a little confused, on page 2 you say you are with Payplan, then it changed to Grant Thornton.

Hopefully now DFD, can help you and sort it out, no one need stress like you have had to go through
Last edited by Pandy on Fri May 20, 2011 5:42 pm, edited 1 time in total.
If life is what you make it, I must have been in a strange mood when I made mine
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Gina.gu

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Post by Gina.gu » Fri May 20, 2011 5:47 pm
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Lol! Pandy its been an absolute nightmare. I was with payplan who let me lower my payments to a low amount without consulting creditors for nearly a year...then at the variation meeting the creditors rejected the lower payments. Grant thornton in name were voting on behalf of northern rock and rbs and voted no. So the iva failed as they said no to all the things payplan suggested..then we went for bankruptcy but because my hubby didn't really want bankruptcy we were told try for another iva as we didn't know this was an option before court...so we approached a few companies who said no as if the creditors said no they will again. However dfd said yes we will take it on and with no fuss or holding back got our iva approved at an amount we can afford . Hope that helps. :)
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Pandy

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Post by Pandy » Fri May 20, 2011 5:53 pm
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yes sorry, I got a little confused, I didn't realise GT worked for creditors as well as debtors.
Just glad you are getting sorted out, must have been a nightmare
If life is what you make it, I must have been in a strange mood when I made mine
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Gina.gu

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Post by Gina.gu » Fri May 20, 2011 6:05 pm
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:) well it tested everything in my life, but made our marriage stronger . A sense of humour was vital and a lot of self belief too. If by going through this someone who is at the beginning of the iva road gets a bit of hope then I am ok with that. Yes, its been like a virtual game, highs, lows and now calm ...could patent it :) yes grant thornton work for creditors too. Rejected all the proposals even taking the car off the road...dfd have managed to keep our car for us and petrol allowance....very good :)
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Julie

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Post by Julie » Fri May 20, 2011 8:11 pm
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Brilliant news Gina!!
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Shining

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Post by Shining » Fri May 20, 2011 8:34 pm
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Fab news! well done x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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MrsKnight

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Post by MrsKnight » Fri May 20, 2011 11:33 pm
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Wow Gina, excellent news, you have certainly been through a journey of it all. I'm glad your sorted & a solution has been found for you x
Last edited by MrsKnight on Fri May 20, 2011 11:34 pm, edited 1 time in total.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X



An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt

Lyns x
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Gina.gu

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Post by Gina.gu » Sat Apr 21, 2012 9:27 pm
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Just wanted to put a not on the end of this thread for everyone that helped me with support or advice. We finished our iva on the 15th april. Full and final settlement was agreed in the new year. Our faily paid in installments and we are now waiting for our completion certificate. A big thank you to debt free direct for picking us up when we were down and being a constant help at the end of the phone. Declan is a godsend as is the forum. Goes to show you never know what's round the corner. Thanks everyone once again. My first wage will be spent on the kids all 8 of them . Will really enjoy it. :)
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Julie

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Post by Julie » Sat Apr 21, 2012 9:31 pm
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[:)] well done Gina and great to hear updates [:)]
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Shining

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Post by Shining » Sat Apr 21, 2012 9:34 pm
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That is a great update. Enjoy spoiling those children x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Sat Apr 21, 2012 9:39 pm
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Grest news Gina - good luck for the future!!
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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Gina.gu

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Post by Gina.gu » Sat Apr 21, 2012 10:05 pm
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Thanks everyone. Thanks for seeing me and the family through the minefield. The strength you get from the forum is massive. I think the kids have the ages accounted for for the immediate future then disneyland is their goal! X.
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Shining

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Post by Shining » Sun Apr 22, 2012 6:16 am
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I hope they get their goal. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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