www.iva.co.uk

I'm sitting here waiting for the OR to ring me and I am absolutely terrified! I have no finger nails left, I feel sick and my stomach is churning. Please wish me and send positive thoughts my way!

Onwards and upwards!!!

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

Don't be - they are human beings at the end of the day. They get up and go to work just like us, and then they go home. They have job to do and on the whole do it fairly well. I am sure that you will be pleasantly suprised and relieved. Let us know how you get on.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Hi Skippy

Just relax. OR first then Roma later.

Dave

All the feedback I have heard about ORs is positive. Try to relax. Remember that this is a positive step in addressing your debt problems.

All the best with everything.



Best Regards
Oliver

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

Sending positive thoughts your way Skippy13!!

I know that it’s easier to say but try dwell on the positive steps that you have already made eg: 1. admitting that you had a debt problem, 2. taking action to solve the problem.

It takes courage; there are thousands of people who are continuing to bury their heads in the sand. Just think your not one of them anymore.


Hope this information is of use

Regards. IVA Experts

Hi Skippy,

you have taken the biggest step, and i am sure that everything is going to go well for you, good luck and let us know how you get on I still have 2.5 weeks to go for mine and trying very hard not think about it

x

(I apologise for my keyboards poor spelling and grammar)
http://coco.blogs.iva.co.uk

Thanks everyone! Wel it's over and was nowhere near as bad as I expected! The OR was very human, and she informed me that I will be paying £115 per month for 36 months. This is so much better for me than the £459 I was paying into my IVA. I really feel as if I can make a new start now.

Good luck with your interview Coco x

Onwards and upwards!!!

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

I am so pleased that this is now sorted for you skippy.
You have been on a long journey,and you are now at the begginning of the path that leads to the rest of your life,i wish you the best of luck and hope you will always post.
You have helped so many people on this forum,good luck for a debt free future,oh and im so pleased that you can keep your car x

Thanks Tracy, I'm definitely going to keep posting - I'd miss you all if I didn't! I'll also keep my blog updated in the hope that it can help someone else.

I opened an account with Think Banking today as well - they were my last resort, but at least I've got a bank account now!

Onwards and upwards!!!

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

Hi Skippy

Great news, really pleased for you.[:D]Now you can hopefully relax a little and enjoy life without those dreaded letters and calls,My husband and I get quite excited when we get letters cos we now dont dread the postman and enjoy walking to the postbox with the loan adds and credit card offers with return to sender written over them.
Hope you had a good week end I hope it was you that went away?
Anyway brilliant

Ang x

I had a great weekend thanks Ang - yes it was me that went away. I'll have a bit of explaining to do to Dave's mum next time she goes - I was gardening and sawed down the wrong tree! I didn't realise but I was holding the dead one and sawing a different one - oops!

And the perfect end to the Easter weekend - MAN UTD 7 ROMA 1!!! Hope you enjoyed it as well Bear!

Onwards and upwards!!!

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

I'm so pleased for you - the ordeal is over and you know where you are for the next 3 years. Living these experiences with you has also taught me a lot of things I would not have usually come across - further evidence that everyone learns from the forum!
How did the OR work out the £115 - was this the surplus figure you had shown on your application booklet, or have they just taken a percentage? The funny thing is that your creditors will not see a penny of that money, it will all likely be asborbed in OR and collection costs.

Don't be a stranger!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

Skippy

Im so so pleased. Oh and well done with the OR as well. Lol. No really thats 2 great results for you in one day. Move on with your life now.

well done once again.

Dave

Superb football match. One of the best ever.

well done skippy so glad it has all worked out well for you, both with the OR and footie, good luck with your debt free future!
kerri

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

Hello Skippy

I am so pleased for you, it must be such a relief now that you can put all this behind you. I have been routing for you for a long time. I know its been hard but I hope it all seems worth it now. Good luck for the future.
With special love

LILY

I asked God for a solution and have to live with his reply.