www.iva.co.uk

Posted: **Tue Aug 07, 2007 10:42 pm**

Hi All just wanted to let you all know that my IVA has been approved. Have not had a copy of the Chairmans reports as yet. My offer was 37p/£ and an additional 6 months payments in leiu of my property equity..

The modifications were 38p/£ which was taken out of my IP's fees and they want me to get a valuation on my property in 4 years and re-mortgage the equity up to the value of 85%. I understand that I have no overtime clause.

I owed £84K in unsecured debts (totally ashamed!!)I was managing to repay all my debts up until I needed a operation on my spine which I had to pay for myself (£8000) which eventually pushed me over the edge. I ended up on anti-depressents which was the final straw.

Anyway a new start roll on 5 years.

Many thanks for all the advice on this site....

XXXXX

Posted: **Tue Aug 07, 2007 10:48 pm**

That's really good news - good luck for the future!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Posted: **Tue Aug 07, 2007 10:51 pm**

That's really good news - good luck for the future!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Posted: **Tue Aug 07, 2007 10:57 pm**

Well done and good luck for the future chelsea.

Skip, how many have you had???

lily

Posted: **Tue Aug 07, 2007 11:11 pm**

great news chelsea, lol lily at skip how many you had.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Posted: **Tue Aug 07, 2007 11:16 pm**

will post more details once report received. Not sure who voted etc. Best of wishes to anyone else thinking of an IVA.

Posted: **Wed Aug 08, 2007 1:00 am**

For me entering an IVA was the best thing i could have done. I could have gone bankrupt but i wanted to pay my creditors back paying something was better than not paying anything back. Its been a tough old 3 half years but it has taught me something how to budget!!! and not to get in that state as i did before if you havent got then you cant have it my motto now is save save save for what ever you want cos th feeling is great when you buy something in cash cos its yours

I can just see in the far distance the light at the end of the tunnel hurray!!!!

Posted: **Wed Aug 08, 2007 9:01 am**

Hmmm, I'll have you know I was completely sober! I was downloading music at the time and got a bit impatient - obviously clicked once to often!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Posted: **Wed Aug 08, 2007 9:34 am**

Superb news Chelsea Chick, well done and all the best for the future.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Posted: **Wed Aug 08, 2007 9:42 am**

Hi chelseachick,

Congratulations!
Well done and good luck!

Regards,
Michelle P.

Posted: **Wed Aug 08, 2007 9:43 am**

Congratulations chelsea, all the best for your debt free future [:)]

Best Regards. IVA Experts

Posted: **Wed Aug 08, 2007 1:13 pm**

Hi
Well done Chelseachick
We seem to be having another good run of acceptances on the forum at the moment.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

Posted: **Wed Aug 08, 2007 1:39 pm**

Great news wll don you.
All the best for the next five years.

Ang

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

Posted: **Wed Aug 08, 2007 8:32 pm**

Great news
well done!
z
x

Zoe
x
Keep your chin up - everything happens for a reason!
View my blog http://zoes.blogs.iva.co.uk/

www.iva.co.uk

IVA APPROVED !!!