got through... some votes received .. wont know the outcome till dinner time... on a positive note sainsburys haven't voted atm so that could be a yes from my biggest creditor and most of the others i have been a long standing customer paying on time everytime ... here's to another hour of sweaty palms
If they don't vote then it will still count anyway as a yes.
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
indeed.. and they're about 27% of the total vote so one other yes vote and i will be at 35% ish not sure exactly on the process from there but will know for sure today ... so want this to end one way or another now
just a question as sainsburys hadn't cast a vote by 10:55 this morning how long do they have to do so before they are no longer able to vote ? an hour / day etc
WAHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO !!! as you can guess good news ... over the moon and a fresh start in life never again will I head down the gambling route and with no need nor want...
not everyone voted but the ones that did we're enough to see it through .. day 1 of my life back ))
That is fantastic news Kris - really pleased for you. Remember that we are here for any support or advice you need.
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
Fantastic news Kris,keep looking and posting on the forum.The people who post on here are the most knowledgeable people,they will guide you through the process.The help I have read on here has been gratefully received
Today 1st of December 2016 the vultures finally flew away
Thank you I think it will take a little while to sink in but for now i will just enjoy the relief for years the debt was getting worse .. then after 2 months of heavy losses my world was collapsing around me .. and a 2 month wait for the IVA meeting meant the stress was building but to breath and know its all sorted is such a euphoric feeling .. just 5 years to go.. which was exactly the length of time of my sainsburys loan .. x
again thank you .. this has installed a greater will to never gamble again .. or to lose the value of money again no more credit and to live to my means i will continue my counselling .. and tonight i can go home knowing i can provide for my family again to the best of my means ..
Kris
Just to add save as much money as you can before your first payment for a contingency fund,because trust me you will need it.Christmas is a bad time start thinking what you need for Christmas ie presents and the like and start buying early,we found the important things like birthdays etc hard at first but we now don't buy each other anything.
The time will fly but it is hard,don't be frightened to call your IP if things are getting difficult and remember YOU are paying for this service.
Today 1st of December 2016 the vultures finally flew away
Something I would suggest doing for Christmas, which I have done for years, is sign up to online surveys to get vouchers.
Christmas costs nothing moneywise for me as everyone has vouchers.
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'm sure I will be back once i've calmed down .. flying on cloud 9 atm just want to get out of work and head home to see my wife and boy .. its been a rough few months for us and to just go home today and finally draw a line under it is going to be the best
Glad you are feeling so happy - know that feeling well! You will get there!!
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
never again will I head down the gambling route and with no need nor want...
just 5 years to go.. which was exactly the length of time of my sainsburys loan .. x
