The sword of Damocles

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andyflincs

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Post by andyflincs » Wed Nov 14, 2012 1:16 pm
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Has finally been lifted, IVA approved today after a 24 hour delay! If this is what day one feels like I cannot wait until tomorrow! It will be tough, but already the Wife and I are speaking more than we have been for a long time. Things like menus, food shopping what our treat at the end of the Month will be(a bottle of Shiraz not Chateau Neuf du Pape ). Life has been very tough, with illness and a family member passing away. But we are now looking forward to not owing a penny to our creditors and then enjoying the money for ourselves after 5 years.

I cannot thank Melanie Giles, Tina Shortland, Marc Hunter and Amie Johns enough for their support during the process and their professionalism in dealing with my IVA proposal. They even managed to keep my Dogs payments higher than the creditors wanted due to his prescription needs. Thank You so very much.

iphone counter is now on 59 to go and reducing (o:
Last edited by andyflincs on Wed Nov 14, 2012 1:34 pm, edited 1 time in total.
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Niobe

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Post by Niobe » Wed Nov 14, 2012 1:52 pm
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Congratulations and you are with an excellent team.

It will get better as you go along.

Sorry to hear about the illness and your loss.
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MikeyM

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Post by MikeyM » Wed Nov 14, 2012 4:41 pm
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Congratulations. Good feeling innit
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Foggy

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Post by Foggy » Wed Nov 14, 2012 4:43 pm
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Congratulations :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Niobe

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Post by Niobe » Wed Nov 14, 2012 5:09 pm
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Congratulations from me as well.
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Lucyl

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Post by Lucyl » Wed Nov 14, 2012 7:49 pm
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Good luck andyflincs and enjoy your well earned shiraz next month
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plasticdaft

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Post by plasticdaft » Wed Nov 14, 2012 8:26 pm
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you will feel many emotions throughout the IVA,believe me!!

Good decision made though and to say it will be life changing is an under statement,

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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MelanieGiles

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Post by MelanieGiles » Wed Nov 14, 2012 8:31 pm
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A brilliant result - and I am so pleased creditors accepted the additional expenditure for the furry member of the family. Most of you who kno me well know that I have a huge passion for our canine four legged friends - and things like this are really important to me, so well done to you and your creditors for making such a good and sensible deal.
Regards, Melanie Giles, Insolvency Practitioner
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Niobe

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Post by Niobe » Wed Nov 14, 2012 8:38 pm
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We still have to get our dogs together Mel!!
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MelanieGiles

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Post by MelanieGiles » Wed Nov 14, 2012 8:40 pm
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I know - I keep telling the twins that they have some furry cousins who are going to come and visit them in the New Year!
Regards, Melanie Giles, Insolvency Practitioner
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Niobe

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Post by Niobe » Wed Nov 14, 2012 8:42 pm
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We have to sort something Mel - off forum is probably best!
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