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Posted: Mon Feb 25, 2013 12:41 pm
by debt tired
Very quick response to creditors' meeting. Our meetings finished at 12.00 and had a call from Marc at 12.15! One of the creditors is quibbling over food bill as it is above the guidelines for a couple - it appears that that might not have read the proposal properly which clearly states we have 2 children at university who are at home for half the year, and who we obviously have to feed.
Now the negotiating. I hope Mel's team can pull it off.
Posted: Mon Feb 25, 2013 12:48 pm
by OnTheUp1976
Still keeping everything crossed
Posted: Mon Feb 25, 2013 12:51 pm
by harrysmummy78
everything crossed for you it will be ok I am sure, keep your chin up. x
Posted: Mon Feb 25, 2013 12:52 pm
by esgt1967
We have a daughter at uni and there was an allowance built in for her being at home for half/40% of the year (and the resulting increase in food/heating/electric etc) and our IVAs were approved without any modifications to our spending. As you say, it was probably simply a case of the creditor(s) not reading proposal properly and I'm sure you will get this turned around. Best of luck.
Posted: Mon Feb 25, 2013 12:53 pm
by debt tired
Thanks. Any news for you yet harrysmummy?
Posted: Mon Feb 25, 2013 1:00 pm
by OnTheUp1976
Harrysmummy got accepted
Posted: Mon Feb 25, 2013 1:10 pm
by harrysmummy78
yes Debt tired we was accepted.. sat here glued to my lap top waiting for all your outcomes feeling very nervous for you but I have a good feeling x
Posted: Mon Feb 25, 2013 1:14 pm
by luluj
Fingers cross debtired and well done harrysmummy x
Posted: Mon Feb 25, 2013 1:16 pm
by debt tired
Well done harrysmummy, you must be SO relieved. 2 down, 2 to go - you and juleslechichbandb accepted, Robbieboy and us still waiting. I do so hope it's a good outcome. Am stuck to the computer cos can't settle to anything else.
Posted: Mon Feb 25, 2013 1:20 pm
by ss.
fingers crossed!
Posted: Mon Feb 25, 2013 1:22 pm
by harrysmummy78
I am sure it will be ok it does not sound like it is a massive hurdle for you so hopefully they will get it resolved asap for you so you can settle.I am so very relieved thank you I can not wait to pick my little boy up from nursery tonight although I am with him all the time I have felt so detached from everything the last few months so I just want to give him the biggest cuddle ever
Posted: Mon Feb 25, 2013 1:27 pm
by dlovesg
OMG I am sooo nervous for you all, I'm at work and keep checking in to see any updates, gosh knows what I am going to be like on Thursday! I feel very sickly today x
Posted: Mon Feb 25, 2013 1:44 pm
by debt tired
Like you dlovesg ours is a f&f IVA, and it seems that they are concerned that I am not working. Do they want us to do amonthly IVA in case I get a job? My business folded last June and although I have been applying for all sorts, I have not had one interview, even for things where I thought I'd be bound to get a look in. I'm either overqualified due to my degree from 30 years ago in languaqes, or underqualified as I am not computer literate. Even being a teaching assistant, which I have done a lot of in the past, is now off limits without a piece of paper.
A couple of years ago my husband lost his job due to redundancy (one of the many reasons we are now so much in debt) and it took him over a year to get anything even with lots of qualifications and experience in his field - and he was looking all over the country! Only got anything at all as his old firm got some more work and so took him on again.
I have been self employed for 18 years and am in my fifties. Who is to say that I might get a job next week but my husband could lose his again. I would have thought that a bird in the hand.....
Posted: Mon Feb 25, 2013 1:52 pm
by Charlygirl
Same here Dlovesg. I am getting scared for Wednesday now. Good luck to all those waiting today and Congratulations to everyone who has been accepted today!!! xx
Posted: Mon Feb 25, 2013 3:07 pm
by pennieless
well done harrysmummy