Well got the msg from credit fix that my creditors have accepted my IVA proposal just need to wait till I get home from Holland (beautiful weather) to see what their revised terms are (apparently just admin related) wish me luck on my journey ppl
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
Great news Ant. Creditors often propose changes to the fee structure and dividend payout timetable --- hopefully nothing too drastic from your point of view. Enjoy the rest of the break.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Well things are looking ok had 1 creditor letter from mbna accepting I have an issue and closed my account, Halifax have closed my credit account and joint bank account so Mrs bit miffed now she has to open a new account (ooops) just waiting for revised terms and letters from other creditors if they are that nice.
My only concern now is that 1 of my other creditors is barclaycard and that's who I'm using for my new account as had it with them for years and just swapped my direct debits over to them but could they possibly close my current account along with my credit card account like Halifax did???
Halifax did that with me - so embarrassing when I went to close the account myself to be told that had taken out £34 against a £20k debt!!!
Myself and my husband bank with Barclays and I had a credit card with them although they weren't one of his creditors. We kept our account with no problem. Your credit card account will obviously be closed down.
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
I didn't think the joint account would of been included tho as it is only myself in the iva not both of us I just hope barclays don't do the same might go pop in and see them.
Did you have an overdraft with Barclays? If not then I can't there being a problem.
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
That should be ok then - just ask them to remove it.
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
Thanks for that kallis I shall go down after my brekkie still can't believe it's all real and mine and my family's life will be hard but fingers crossed we'll get through the nxt 6 yrs and be free
