Happy as a pig in doo doo!!!

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plasticdaft

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Post by plasticdaft » Tue Jul 08, 2008 5:34 pm
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Just to let everyone know we just found out that our scottish trust deeds(mine and wifes) had no creditors objections so it now becomes protected(meaning that all creditors are bound by its terms) so here goes for a 42 month journey to debt freedom,its gonna be bumpy but a lot less bumpy than it was becomming trying to juggle money around from one credit card to another.

Lloydstsb voted yes as did Mint(RBS) and Egg didnt bother so tough luck on them,they are bound by its terms.

Hallelujah!!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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indebtforever

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Post by indebtforever » Tue Jul 08, 2008 5:41 pm
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nice one it will fly in i like the 42 months[8D]ahh sorry i thought your debts paid in 42 months its took you 42 months !!!!?
Last edited by indebtforever on Tue Jul 08, 2008 5:42 pm, edited 1 time in total.
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plasticdaft

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Post by plasticdaft » Tue Jul 08, 2008 5:54 pm
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The deeds are to run for 3 and a half years from august when our 1st payment is due.

Happy days.

Indian meal to celebrate!!
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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indebtforever

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Post by indebtforever » Tue Jul 08, 2008 5:56 pm
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nice get youself a vindaloooo and wash it down with a claret welcome to the debt free club in 42 months[:D]
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MelanieGiles

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Post by MelanieGiles » Tue Jul 08, 2008 6:09 pm
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Why are you doing 42 months as a matter of interest! And congratulations on the result.
Regards, Melanie Giles, Insolvency Practitioner
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plasticdaft

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Post by plasticdaft » Tue Jul 08, 2008 6:30 pm
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The extra 6 months were purely to offer a better return. The amount of debt was over 70k and we are paying just 400 a month. Bargain if you ask me,and thank goodness it got protected.
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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Soulgrowth

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Post by Soulgrowth » Tue Jul 08, 2008 7:29 pm
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Good news ... the sense of relief will be worth the occasional bumpy spot in the road [:)]

Debbie
Debbie
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Moneystinks

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Post by Moneystinks » Tue Jul 08, 2008 7:39 pm
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Congratulations to you.....

I'm really pleased for you. [:D][:D]
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Skippy

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Post by Skippy » Tue Jul 08, 2008 7:42 pm
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Congratulations, that's really good news!
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Shining

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Post by Shining » Tue Jul 08, 2008 7:56 pm
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Excellent x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Viki.W

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Post by Viki.W » Tue Jul 08, 2008 8:12 pm
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Brilliant news, congratulations. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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facingittogether

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Post by facingittogether » Tue Jul 08, 2008 9:11 pm
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thats fantastic news, i am really pleased for you both!

love barb x
12 down - 60 to go! woo hoo!
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kal

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Post by kal » Tue Jul 08, 2008 9:17 pm
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Congratulations - I bet the months will fly by.
k.
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luluj

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Post by luluj » Tue Jul 08, 2008 9:39 pm
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well done - similar debt to mine although I have to pay three times that amount back !!!!!!
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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plasticdaft

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Post by plasticdaft » Tue Jul 08, 2008 10:22 pm
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We were very surprised that it got approved given that the dividend appears low compared to many IVA's I have read about on here,although if our trust deed was extended by 18 months(to the length of most IVA's)the dividend fairly shoots up.

Thanks for all the messages,they are most appreciated.

I am so glad that I found this forum,I use the net a lot and this site is without doubt the best thing I have ever found on the net.
The people running it and YOU the posters deserve a great deal of credit,and a big pat on the back.

I am sure there will be tears and joy throughout the next 3 1/2 years and I am glad that I can share it all with you,my new friends.

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