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Posted: Thu Sep 17, 2009 3:16 pm
by blonde38
Hi Everyone,
My meeting is tomorrow morning at 11.00am. I am being looked after by Adam Preston from Clear Debt who has been great throughout the process. I contacted Clear Debt on 19th August so will have taken a month if I'm accepted.
Keep your fingers (and toes) crossed for me please.
The nerves are setting in now and think it will be another sleepless night tonight!!!
Tracy x
Posted: Thu Sep 17, 2009 3:19 pm
by kallis3
Good luck Tracy!
I am sure you will be ok as Cleardebt have an excellent reputation on here.
Let us know how you get on.
Posted: Thu Sep 17, 2009 3:26 pm
by marky b
im sure youll be fine and experience a sense of relief quite soon.
Posted: Thu Sep 17, 2009 3:31 pm
by Debtwitch
Best of luck Tracy
Keep us posted!
Posted: Thu Sep 17, 2009 3:45 pm
by Michael Peoples
Best of luck from me too Tracy. You should be fine as you are in very good hands.
Posted: Thu Sep 17, 2009 3:45 pm
by size5
I have conveyed your good wishes to Adam and we are all keeping our fingers crossed for you here as well.
Regards.
Posted: Thu Sep 17, 2009 3:48 pm
by Pennyless
Best of luck Tracy....wow 1 month from initial contact to creditors meeting!
Posted: Thu Sep 17, 2009 3:54 pm
by size5
Most of the credit must go to blonde38 for completing her pack perfectly and getting it back within a very short space of time. Some cases will by necessity involve chasing up of statements or documentation, which can be time consuming, but if everyone was as spot on as blonde38 has been then we would be a very happy bunch indeed.
Regards.
Posted: Thu Sep 17, 2009 3:56 pm
by blonde38
Thanks for all your good wishes. I really hope the IVA is accepted. If not am thinking will have to look at bankruptcy.
The process has been very quick! Luckily I managed to get all my relevant paperwork to Adam very quickly and anything else was scanned and e-mailed to him. I'm single with no dependants and a house in negative equity which my ex lives in so it's been fairly straightforward.
Just have to wait and see what tomorrow brings. Am just worrying as over half of my debt is with First Direct in the form of a personal loan. So if they reject it, it has no chance of going through.
Tracy x
Posted: Thu Sep 17, 2009 3:57 pm
by Pennyless
Tracy let us know how you get on.....will check tommorrow but I'm sure you'll be fine!
Posted: Thu Sep 17, 2009 4:00 pm
by kallis3
You will be fine Tracy.
Look forward to seeing the positive post tomorrow.
Posted: Thu Sep 17, 2009 4:57 pm
by Princess 8
Hi Blonde 38
Good luck for tomorrow i'm sure it will be fine, my husband & I have been in our IVA for 2yrs now it is the best thing we ever did, its been hard but also good at the same time you start to realise what things are really important in life.
Our IVA was set up within 6 weeks aswell, what time is your meeting tomorrow I will be thinking of you
Princess 8
Posted: Thu Sep 17, 2009 4:58 pm
by Declan at DebtFreeDirect
Best of luck for tomorrow Tracy.
Posted: Thu Sep 17, 2009 5:02 pm
by Princess 8
Sorry forgot to say 48% of our debt was with First Direct in the form of overdraft & personal loan they were fine.
Princess 8
Posted: Thu Sep 17, 2009 5:04 pm
by blonde38
Thanks for that Princess 8 - that's made me feel bit more optimistic!
My meeting is at 11.00am so I have booked the morning off work to take the call in privacy.
Will let you know how it goes.
T x