Blair Endersby

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mick1972a

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Post by mick1972a » Mon Mar 09, 2009 5:04 pm
I will thanks again. That was a bit of a mad panic.
 
 

emma_t

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Post by emma_t » Mon Mar 09, 2009 7:05 pm
Glad thats all sorted Mick [:)]

As if its not stressful enough for you at the moment,

Good Luck
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
 
 

Julie

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Post by Julie » Mon Mar 09, 2009 8:29 pm
Glad you got some commonsense out of someone mick.

If you need any advice on BR, post away...even though you have to wait 6 weeks to get the funds available, it may be worth you phoning your local court, as some have waiting lists and you can make a start on the forms too.

Good luck xx
 
 

mick1972a

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Post by mick1972a » Tue Mar 17, 2009 1:16 pm
Hi me again. I recieved a call from BE yesterday asking why I was cancelling my IVA I told them that I was going BR and then they told me that I would recieve a call after the creditors meeting. I told them that I informed them last week that I was cancelling the IVA process and wrote to them informing them.

They told me that the creditors meeting will still have to go ahead and that once they have voted I will then have to say I dont want to go ahead with it.

I also recieved a text from them today reminding me that the meeting was going ahead next week. I rang them today again and no one seems to know if they will be charging me for this. I have already paid £360 upfront and was originally told that I could be charged a further £2500 for cancelling.

No one seems to know whats happening. One person is saying the meeting wont go ahead and I wont be charged then another is saying it is going ahead but they dont know if I will be charged.

All very worrying.

Mick
 
 

rayb

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Post by rayb » Tue Mar 17, 2009 2:09 pm
Hi Mick,

Can't believe they are still messing you around. I am very surprised Blair Endersby who post on here have not picked this up, maybe David Mond could get involved as this is simply not good enough.

I still do not think they will charge you anything!!!

I would also ring them again and ask to speak to your IP directly and no other person will do
 
 

rayb

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Post by rayb » Tue Mar 17, 2009 4:02 pm
twoods - I have just read your other posts and IVA's are not bad for everyone
 
 

twoods

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Post by twoods » Tue Mar 17, 2009 4:04 pm
i realise that, they can be a very good thing if you have assets to protect, thats not the case for me, i just found the new advice i got a lot more beneficial to me. thanks
 
 

rayb

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Post by rayb » Tue Mar 17, 2009 4:05 pm
I do not have assets but I borrowed the money so I feel some obligation to pay at least some of it back. Just because you do not does not mean you should automatically go bankrupt - it is up to the individual
 
 

rayb

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Post by rayb » Tue Mar 17, 2009 4:12 pm
You are paying them for a service. You get all interest frozen and at the end of 5 years you are debt free. No more threatening telephone calls or letters - got to be worth it and yes it is a hard slog, been in mine for almost 3 years but I would be worse of without it and I now budget much better

Good and Bad Experiences - different people [:)]
 
 

kallis3

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Post by kallis3 » Tue Mar 17, 2009 4:36 pm
Couldn't agree more Ray.
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
 
 

cazlizzy

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Post by cazlizzy » Tue Mar 17, 2009 6:23 pm
Hi twoods.
I have read this and other threads where you have posted, and while I agree that you have a right to your own opinion, I would just like to point out my observation and why I and many other (judging by the replies) feel it a very negative view point.

Whether they are here for advice, or posting from their own experience, all posting her seem to be coming from a similar perspective.
That is, that they are or where, for whatever reason, in a debt crisis that they can no longer manage.

The reasons for this may be many, but the one thing I see that they all have in common is the wish indeed the need, to still take responsibility for their debts. They are also all aware that for a variety of reasons, be it the enormity of it, emotional turmoil or stress, they themselves cannot at this point manage it themselves. Hence, they seek advice.
This is not however to seek out ways to avoid paying or shirk their responsibility, merely a way of seeking an intermediate to act on their behalf to find and manage that responsibility for them in a more productive way. (and why should that not include paying for the service, nothing is free in this world)

It would appear that the perspective that your advice is coming from is somewhat different and more geared to avoidance of personal responsibility. So while it may be valid for you and a standpoint you can live with, it is not for many here and indeed offers no constructive advice or support to those who post here in what is for them a very vulnerable time.
Regards
Carole.
Last edited by cazlizzy on Tue Mar 17, 2009 6:24 pm, edited 1 time in total.
Never take a moment or a loved one for granted in the blink of an eye they may be lost forever.

You are welcome to view my ramblings here.
http://cazlizzy.blogs.iva.co.uk
Carole
x
 
 

Skippy

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Post by Skippy » Tue Mar 17, 2009 6:27 pm
Well said Carole, I totally agree with you xxx
 
 

kallis3

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Post by kallis3 » Tue Mar 17, 2009 6:28 pm
Well said from me as well!
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
 
 

stirling

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Post by stirling » Wed Mar 18, 2009 7:22 am
I'll agree with that.
 
 

David Mond

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Post by David Mond » Wed Mar 18, 2009 8:21 am
Great post Carole.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
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