The result is.........

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kal

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Post by kal » Mon Mar 10, 2008 11:35 am
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........Accepted!!!!
They have to go through all the modifications, to check there are no conflicting ones, but they have told me that over 75% accepted (Northern Rock have, and they had nearly 21% alone).
I must have asked her about 5 times if it was all ok and we were definately accepted - poor woman!
So i suppose I can celebrate, feels kinds odd - all this worry now...does it just fade away!
x

I did post this before, but it disappeared - must have been the excitement, I hit the wrong key!!!
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Adam Davies

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Post by Adam Davies » Mon Mar 10, 2008 11:39 am
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Hi
Excellent news and proof that NR are relaxing their previously,alleged,near zero tolerance towards proposals
Regards
Andam Davies
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MelanieGiles

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Post by MelanieGiles » Mon Mar 10, 2008 11:41 am
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Kal

Is the Northern Rock debt a Together loan or ordinary unsecured loan, and if the latter were you required to extend your IVA to six years?
Regards, Melanie Giles, Insolvency Practitioner
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kal

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Post by kal » Mon Mar 10, 2008 11:47 am
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It is a together mortgage we have, but an unsecured loan (not sure if it together or not).
They have not mentioned anything about extending to 6 yrs.
Fuuny you should say that as I had modifications from KPMG and they mentioned 72 months and I thought it had been extended, but McC D, say no it is only to go no further that that if we have to extend, arrears etc.
At the moment I am still paying NR, as the load payment is lumped in with my mortgage, so i said to my IP that we need to sort that out - I presume I will just tell them to take that off...anyone know?
k.
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MelanieGiles

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Post by MelanieGiles » Mon Mar 10, 2008 12:20 pm
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That makes sense - and I am sure that if they held more than 25% of the votes you probably would have been asked to extend to 6 years.
Regards, Melanie Giles, Insolvency Practitioner
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chris.g

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Post by chris.g » Mon Mar 10, 2008 12:22 pm
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Excellent news Kal, xx
It's nice to be back......
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debbiw

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Post by debbiw » Mon Mar 10, 2008 12:35 pm
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Oh Kal, I told you it would be fine. I'm so pleased for you, well done, and yes, all the worry does go away now x x x
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aguise

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Post by aguise » Mon Mar 10, 2008 2:12 pm
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Hi Kal congratulations, well done. It does feel a bit I remember feeling sort of strange unable to believe it was settled. Great news though.

Ang
Please visit my blog at http://aguise.blogs.iva.co.uk/
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sjw

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Post by sjw » Mon Mar 10, 2008 2:18 pm
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well done.nice to see another success x
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HuskyLou

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Post by HuskyLou » Mon Mar 10, 2008 4:20 pm
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Great news![:D] Mine was accepted just a month ago and its still sinking in now.
The future is alot closer than you think.
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kal

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Post by kal » Mon Mar 10, 2008 4:48 pm
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Thanks all very much.
Funny as this time yesterday I was so worried and wondering how I would feel today with the build up to the meeting etc.
Now here I am, many hours after the meeting, thinking how quickly today has gone by, and that the right result has happened for me.
I couldn't bear to imagine what i would have done, had it gone the other way.
My phone is now back off going straight to answer phone and I can now not have that feeling of dread each time I hear it ring (probably won't ring at all now!!!!).
k.
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ray_a

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Post by ray_a » Mon Mar 10, 2008 4:52 pm
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Well done Kal

Good luck and keep in touch on how you are getting on!
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emma_t

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Post by emma_t » Mon Mar 10, 2008 5:23 pm
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Great news Kal[:)]

I can remember the feeling well and it does feel strange after all the worry and stress it comes down to a phone call, it wil settle with time..Emma x
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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buttercup

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Post by buttercup » Mon Mar 10, 2008 5:57 pm
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Congratulations Kal
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angela18

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Post by angela18 » Mon Mar 10, 2008 6:12 pm
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Good news Kal, and its my sisters birthday today must have been a good sign
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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