www.iva.co.uk

Good Morning everyone
First of all can i thank everyone from the bottom of my heart for all of their concerns about me in the last 10 days.
As you know i tried for an IVA and was rejected by a creditor at my meeting on 29 May.
My IP melanie and Sarah fought tooth and nail with the creditor concerned to get this accepted for me and yesterday some very unrealistic modifications were put forward to accept this on their behalf.
I will not be going through with the IVA and will be petitioning for Bankruptcy once i have confirmed everything with work.
This is not a decision i have come to lightly. I have had many conversations with Skip who has given me a run down!
I tried my best, and although i made mistakes in my life, i tried so hard to rectify this but they pushed too far.
Zoe
xx

Sorry to hear about the rejection.

With the modifications can't you come to an agreement say meet them half way...IE offer an extra £20 a month or maybe go for 6 years and not five.

But please don't give up without a fight, show them that your willing to compromise and they must do the same


Keith

The long and winding road will straighten out eventually....keep the faith

Good luck with whatever decision you make Zoe. Make sure you are doing the right thing for you x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

zoe, you have tried your best just as I and many others have here to manage our debts through an IVA being established. I too had an unrealistic IVA that would have failed if agreed to. It is a very hard decision to realise a bankruptcy is the only solution. You at first feel scared because of all the rumours you may have heard about bankruptcies. You may feel ashamed because you're not paying back the most that you can to your creditors through a bankruptcy as you would have with an IVA. You will find yourself feeling a gamut of emotions while filling in the petition. Rest assured zoe, in the end the sensation of relief will wash over you. A sense of well-being will surround you because you will know deep in your heart you tried to pay your creditors and the offer was rejected. It is not your fault. As you have stated you and Mel fought tooth and nail. That took a lot of inner strength and perserverence. I bow to your tenacity.

You have waged your battle fiercly. Have you lost? No, but the creditors have. If anything you have gained because you have learned something about yourself. I believe all difficult moments in life teach us something that only only we can define. So, you zoe will come to define this negative event and what you have learned from it in time and find what you have gained from experiencing it. This knowledge will turn the negative event around into something positive in the journey of your life;and you will look back on it and pat yourself on the back.

I wish you well. Take care

All I have left is my humour.

View my blog http://www.debtdummybankruwoman.blogs.iva.co.uk.

Sorry to hear this Zoe - you've done all you can to offer repaying as much as you can. If the creditors dont want that, it is them that will lose out. BR isnt easy, but it will give you a fresh start - and it will be the end of your concerns with your creditors. I'm sure in a few months time, you'll be looking forward to automatic discharge and planning a new and exciting stage of your life.

Thanks everyone for their kind words.
I have come to realise that my future is not as dark as i thought.
As people say, "whatever doesn't kill you makes you stronger" - How true is that in my case!!!
Z
x

Zoe

I am sorry that you didnt get the result you wanted with your IVA. However, this long period of hope, dread and uncertainty is over for you now, you can move forward knowing that you tried your best. The only way is up now for you and well done for hanging in there. Good luck with the BR and the new life waiting for you on the other side. There will be bad days and good days, tomorrow will be so much better than yesterday.

Love to you and your family

LILY

fly me up to where you are beyong the distant star, I will wish upon tonight, to see you smile, only for a while, to know youre there, a breath away is not too far, to where you are.

Dear Zoe
As said you can be proud you tried your very best to give back what you could, an unrealistic iva is pointless , so all the very best to you in what ever you decide to do,keep posting tell us how you get on.
At the end of the day all that matters is good health, family and good friends.

Ang xxxxxxx

Hello Zoe

I was terribly sorry to hear of the IVA rejection. You should hold your head up high though Zoe as I know for a fact that you did everything in your power to pay your creditors back to the best of your ability. Take stock of all the positive experiences that many people who found themselves in a similar boat to yourself have posted of on this forum and focus on moving forward into a debt free existence where you can start afresh.


Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Hi Zoe

Sorry to hear about the IVA its a shame they couldnt see you did all you could.
I wish you all the best which ever path you follow. Hope the future holds better times.
Kelly

Smile it makes people wonder what you have been up to!

Hi Zoe

Sorry to hear your news.

Sadly, it is your creditors who have lost out, and you know that you tried to make amends.

It is stories like this that makes me realise the economy is not booming but busting!

Anyway, we are all here for you and we are united in helping each other!

Best Wishes to you and your family

Ray

hi zoe,nice to see you posting again, sorry to hear that the iva route hasn't worked out for you, i take it it was NR that rejected reading TC post, i am so sorry, i hope everything works out for you with work and you can draw closure with this time of your life, all the best zoe, chin up and take care.
love kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Hi Zoe

Like everybody else I'm really sorry to hear that the IVA hasn't worked out for you.

Could you now possibly post some more info regarding why the creditors turned it down and what modifications they wanted which resulted in you deciding Br was the best route.

Best wishes

Dave

Zoe - sorry things didn't work out the way you wanted.

I'm at the very start of the IVA process and worry it may go the same way for me. What were the modifications they asked for, I understand if you don't want to give too much detail but anything is helpful?

thanks
STAM