www.iva.co.uk

I have lurked and browsed for a while but decided I would take the plunge,register and introduce myself.

My partner and I got into debt as a result of his divorce (she left him within weeks of them buying a bigger house...leaving him to pay the mortgage alone and having to repalce all the household goods etc she took with her[:(!] ). We had two children very close together (one very much planned the other a complete shock and surprise but both equally loved and adored) which put a further strain on our finances. Our mortgage had risen to £1,400 a month which was simply unaffordable and we were repossessed last month.

As the one secured loan is now unsecure we now qualify for an IVA along with the usual credit cards and bank loans. We sent our proposals back this week and we now apparently have a wait of 3 weeks before the creditor's meeting is held.

Our IP is confident that there are no problems and it will go through but it is only human nature to worry and I know I will be feeling more and more worried, sick and stressed as the days go by. I guess the one plus point is it will do wonders for the diet as I can't eat when stressed [:D]

Anyway, I think I have waffled on enough now. Thanks for taking the time to read this and thanks for all the help and advice I have picked up since lurking.

Welcome to the forum you will find a lot of new friends on here as well as a lot of support.

Good luck with your IVA

Jan

Hi angelrainbow and welcome to the wonderful forum family. I am sorry to hear about your problems but hope you are now in the right place to resolve them once and for all. You will get all your questions that have been milling around in your head, answered in this very place. The people here are super and will give you honest advice. I wish you the very best of luck with your creditors meeting. The next few weeks will probably be a bit of a bumpy ride and will seem to drag by, but hang in there and have faith, and hopefully you will get the results that you are hoping for. The very best of luck to you. Kazzy x [;)]

hi angelrainbow and welcome to the forum.. its ony natural to worry, I was beside myself, but from experience on here your IP wouldn't put together if not confident.. keep posting this is a great place for comfort and advice

Hi and welcome
Your IP seems very confident and should be.
You will return more to your creditors under an IVA rather than bankruptcy so there is no reason for it to be declined
Regards

Hello, a great big welcome to our gang,life can only get better from now on. Try and keep your strength up, you must eat even if it's Magnums !!!

hi there&welcome from me also![:D]the time between now&your creditors meeting will go very quickly,&although it can be a nerve wracking time,like people have said,a proposal wouldnt be put forward unless it had a chance of being accepted.(that piece of info always made me feel better when i was having a panic stricken moment!) anyway,wishing you lots of luck for your creditor meeting.it took me 2 mnths to pluck up the courage to post on here,but im so glad i did.so keep posting&let us know how you get on.x

Hi angelrainbow,
Welcome from me to! You have just joined the most caring, supportive and fantastic family in the world!![:)]
Keep posting and you'll get the help you need - guaranteed!!
Chin up you've done the hardest bit nand are seeking help,
Thinking of you,
Hugs,
Chardonnay[8D]

Hi Angelrainbow Welcome, I'm a newbie here and it's a lovely place to be

Thank you all so much for making me feel so welcome. I will certainly keep you posted. [:)]

hi there..welcome to the one place where you can be totally honest and open without fear of judgment from anyone....
the three weeks will go...they may seem like long weeks but they will pass....

hope all goes well...keep us informed

Hello from me too. You will be fine I am sure, try not to worry, you will get loads of support on here and are on your way to being free of the stress and worry debt can cause.

Ang

A big welcome from me too angelrainbow.[:)] We're all here for each other so keep posting. X

Hi rainbowangel,[:)]

A big Welcome from me too,[:D]

As you can see, you will get plenty of support from everyone on this Forum, Keep posting.

xx

And a welcome from me also ... keep posting.

Debbie