Today is the day

Clairbare: Posts: 117; Joined: Fri Jan 29, 2010 11:33 am; Location:

by Clairbare » Tue Mar 30, 2010 11:38 am

Well what can i say - meeting was at 11am this morning and a phone call was made to me by 11.15 - now that is what I call quick turnaround!! I cannot thank Mel and her team enough - they have made this process to date a smooth one and her team are very thoughtful.

I am babbling because of the relief i am feeling, such mixed emotions - very pleased but still disappointed in myself for getting in this state in the first place. But dwelling on it won't change it so onwards and upwards - learning from this and accepting the hand that has been offered to move on.

[:D] Big cheesy grin on my face right now - just waiting for my tummy to settle down now xx
Good luck to all you others out there waiting for your news xx

Debt free by 2015 xx
Wants to thank this great forum for the help so far

Declan at DebtFreeDirect

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Joined: Wed Jul 15, 2009 10:44 pm

Location: United Kingdom

by Declan at DebtFreeDirect » Tue Mar 30, 2010 11:41 am

Congratulations Clairebare and well done to Melanie and her team.

Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/

Clairbare: Posts: 117; Joined: Fri Jan 29, 2010 11:33 am; Location:

by Clairbare » Tue Mar 30, 2010 11:43 am

Oh and all of our creditors responded and voted a 100% acceptance of the proposal with only minor modifications that did not affect the payment we agreed

Debt free by 2015 xx
Wants to thank this great forum for the help so far

Shining: Posts: 27019; Joined: Thu Sep 20, 2007 8:57 am; Location:

by Shining » Tue Mar 30, 2010 11:48 am

Congratulations...enjoy the feeling and I trust your journey to debt freedom will be a smooth one x

IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.

MelanieGiles Industry Expert

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by MelanieGiles » Tue Mar 30, 2010 11:59 am

Great news - I know how worried you have been about this.

Regards, Melanie Giles, Insolvency Practitioner

kallis3 Forum Expert

Posts: 77176

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Location: United Kingdom

by kallis3 » Tue Mar 30, 2010 12:36 pm

Brilliant news and an excellent result for Mel and her team.

You can enjoy a stress free weekend now!

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

Clairbare: Posts: 117; Joined: Fri Jan 29, 2010 11:33 am; Location:

by Clairbare » Tue Mar 30, 2010 12:46 pm

Thanks Mel, you and your team have been great - and very quick with all responses - you must be very proud of them xx
I am very relieved - I know we have a long way to go but we are on the way xx

Debt free by 2015 xx
Wants to thank this great forum for the help so far

kallis3 Forum Expert

Posts: 77176

Joined: Mon Mar 17, 2008 4:02 pm

Location: United Kingdom

by kallis3 » Tue Mar 30, 2010 12:51 pm

Please keep posting - we want to know how you are getting on.

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

steppingstones: Posts: 161; Joined: Sat Jan 23, 2010 7:11 am; Location: United Kingdom

by steppingstones » Tue Mar 30, 2010 1:02 pm

Excellent news Clairebare! I had my telephone interview with Melanie yesterday and it was great to talk to her. My draft proposal should be on it's way soon so fingers crossed in a few weeks I will be feeling exactly the same as you.[:D]

Michael Peoples Industry Expert

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by Michael Peoples » Tue Mar 30, 2010 1:03 pm

Congratulations and another great result all round.

Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com

Charlietill: Posts: 70; Joined: Wed Feb 03, 2010 11:50 am; Location:

by Charlietill » Tue Mar 30, 2010 1:05 pm

Well done. So pleased for you.... and a nice bank holiday weekend to celebrate!

Take care x

Mim

Clairbare: Posts: 117; Joined: Fri Jan 29, 2010 11:33 am; Location:

by Clairbare » Tue Mar 30, 2010 1:05 pm

Well Sally I will keep a look out for your post xx I am sure if Mel and her team have anything to do with it you will be smiling - I honestly had my doubts it would be approved - i couldnt get my head round it all - especially as 1 particular creditor held all the cards - but Mel did all the groundwork before getting the proposal drawn up

Debt free by 2015 xx
Wants to thank this great forum for the help so far

steppingstones: Posts: 161; Joined: Sat Jan 23, 2010 7:11 am; Location: United Kingdom

by steppingstones » Tue Mar 30, 2010 1:42 pm

Her team are fabulous aren't they. It has been a pleasure dealing with all of them (despite the circumstances). I can't wait to be on the road to debt freedom.

Last edited by steppingstones on Tue Mar 30, 2010 1:43 pm, edited 1 time in total.

Cath: Posts: 1329; Joined: Mon Aug 24, 2009 2:38 pm; Location: United Kingdom

by Cath » Tue Mar 30, 2010 2:08 pm

Congratulations all round!

7 year IVA completed in December 2016 - there is light at the end of that tunnel

debtfree-wannabee: Posts: 179; Joined: Sat Feb 06, 2010 11:40 am; Location: United Kingdom

by debtfree-wannabee » Tue Mar 30, 2010 4:36 pm

Yippee - Congratulations!

I am so glad you got a good result clairbare.

Good luck with your IVA and another step towards your debt free future x

When I was younger I did what I knew - now I know better I do better!

Kath x

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