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Michael Peoples

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Post by Michael Peoples » Mon Mar 14, 2011 4:20 pm
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Congratulations but pity about the uplift. Where did the creditors take the £40 from?
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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frenchie696

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Post by frenchie696 » Mon Mar 14, 2011 4:22 pm
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Our TV broadband package and something to do with my partners car - repairs I think
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frenchie696

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Post by frenchie696 » Mon Mar 14, 2011 4:23 pm
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I can't believe it - it seems like so long ago that we were worrying every minute of every day thinking what if it is not accepted. I can finally start a sentence without "If the IVA goes through...". I think I will sleep well tonight. Thank you everyone on here who has supported us with advice and kind words!
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Michael Peoples

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Post by Michael Peoples » Mon Mar 14, 2011 4:25 pm
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If the expenses are justifiable your IP could fight the creditors. Your meeting can be adjourned for up to 14 days and there is no point in agreeing to something that might put you under pressure down the line. Car repairs are essential so even if that part was restored it would be a little easier.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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nepensioner

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Post by nepensioner » Mon Mar 14, 2011 4:28 pm
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So pleased for you Frenchie, may jour IVA Journey be smooth[:)]
F & F Accepted 19th Oct 2010
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TheMatrix

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Post by TheMatrix » Mon Mar 14, 2011 4:29 pm
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YAY!!!
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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kallis3

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Post by kallis3 » Mon Mar 14, 2011 4:33 pm
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Excellent news Frenchie but do make sure that the uplift is affordable.
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
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frenchie696

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Post by frenchie696 » Mon Mar 14, 2011 4:35 pm
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I agree but we did some sums before and decided to accept anything up to 50 pounds extra - we are going to be a little more frugal with our shopping.
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luluj

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Post by luluj » Mon Mar 14, 2011 5:03 pm
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excellent news and welcome to the road of debt freedom.. ensure your I&E is always what it actually costs you and with the uplift already in place by £40 be realistic when you need to consider asking for a increase in your allowances - well done and have a small drink to celebrate !
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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lem

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Post by lem » Mon Mar 14, 2011 5:11 pm
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really pleased for you Frenchie, but agree with the others, £40 uplift is a lot and don't just agree to it without ensuring it really is affordable xx
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Shining

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Post by Shining » Mon Mar 14, 2011 5:24 pm
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Congratulations and so long as you're confident you can afford the uplift then you're on your way to debt freedom and I hope your journey is a very smooth one. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Foggy

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Post by Foggy » Mon Mar 14, 2011 6:01 pm
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Congratulations --- like you we worked out what we could afford by way of uplift, which was about £50 .. and got away with £26 :-)

Happy Days ... well done :0)
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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Truly

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Post by Truly » Mon Mar 14, 2011 6:47 pm
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Well done frenchie.... although this is an excellent result and you might not want to rock the boat, are you absolutely sure you are ok with the uplift?... if not, then have a word with your IP. I'm sure they will be happy to negotiate with your creditors to come to an affordable figure.

Well done to you anyway....
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andrea1968

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Post by andrea1968 » Mon Mar 14, 2011 7:11 pm
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congratulations frenchie-see how you get on with the uplift and if you find it a struggle speak to your ip-they generally can reduce by 15%-
WELL DONE YOU !!!!!
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
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kat68

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Post by kat68 » Mon Mar 14, 2011 7:23 pm
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I am so pleased for you frenchie, i have been keeping an eye on this thread all day via my mobile. and was feeling very nervous for you at around 3.45pm.
congratulations sleep well.
kat68
kat

IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
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