IVA approved!

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Ruthlyn

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Post by Ruthlyn » Wed Jun 25, 2014 8:34 am
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Well - 4 weeks from my initial enquiry and my iva's just been approved!
The relief is enormous and I'm so grateful to McCambridge Duffy for their brilliant support. Five/six years seems a long way ahead but knowing that all my debts will be gone then is worth the wait.
I know there will be times ahead when things will be difficult but it's going to be a lot easier than how things have been before I started this process!
The secret of change is to focus your energy,not on fighting the old but on building the new
Socrates
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Foggy

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Post by Foggy » Wed Jun 25, 2014 8:54 am
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Congratulations ! Looking ahead 5 / 6 years seems daunting ... but, when you look back, the time will have flown by.

You have a good company behind you and Michael will be able to assist where required, I am sure. The (not so) secret is to keep good lines of communication open to avoid any surprises.
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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Shining

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Post by Shining » Wed Jun 25, 2014 9:22 am
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Fab news and agree wholeheartedly you have a fab company to work with.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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plasticdaft

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Post by plasticdaft » Wed Jun 25, 2014 1:25 pm
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Great news indeed.

Enjoy the ride,its bumpy at times but well worth it in the end.

paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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relieved33

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Post by relieved33 » Wed Jun 25, 2014 6:09 pm
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Your journey starts here! Ours has been a bumpy road but we have the finishing line in touching distance! The fact the you are using the forum is good. Shop for bargains but remember that you are supposed to be able to live in an iva. Use the forum and use your IP. We were lucky enough to have found the forum at the start and took a look at who to use. We picked clear debt but have always believed that we would have had good service from Melanie too. They have been great when when we have had problems with cars, the boilers, son's issues etc. We have made reduced payments, missed payments, paid overtime, repaid and the service has always been fantastic and most importantli, non-judgemental.

I know we felt guilty about our situation, but that is now pride in what we have achieved.

Good luck!
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Struzzo39

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Post by Struzzo39 » Thu Jun 26, 2014 7:39 pm
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Fantastic news. Here's to becoming debt free
Steven & Debbie
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Emmadl98

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Post by Emmadl98 » Fri Jun 27, 2014 5:14 pm
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Well done,, the road is bumpy but knowing you are on the right path is self satisfying x x
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Mark_H2

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Post by Mark_H2 » Tue Aug 19, 2014 8:23 pm
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I hope to be in the same position as you in 4-6 weeks just submitted all my paperwork.
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luluj

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Post by luluj » Wed Aug 20, 2014 9:09 pm
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Good luck Mark_H2
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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Ruthlyn

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Post by Ruthlyn » Wed Aug 20, 2014 9:20 pm
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It moves pretty fast once the paper works in. Mine took four weeks from the initial ienquiry to iva being accepted
The secret of change is to focus your energy,not on fighting the old but on building the new
Socrates
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