www.iva.co.uk

Sorry just a little rant about the mess that is hubbys full and final offer.
After the IP working out the dividend returned would already be 2p in the £ less, we then discover the mortgage set up fees were not deducted meaning the dividend will be even lower.
Cant help wondering if its worth it
Sorry just wasnt expecting the £1250 fee to end the IVA, its kind of thrown me a litle.

Moan over[:(]

Hang in there skint. Nearly there now....

Andrew Graveson
Independent Mortgage Broker & MD Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk

[:D] Hi Andrew and thank you. I just hope it stands a chance.
Im just a worrier and perhaps i need to chill a little till we know either way. Can i just publicly say thank you to you for all your help and for putting up with my millions of questions.

Hi Skint

I know that creditors like full and finals, I have not seen one on this forum that has been refused. Hang on in there, I am sure youre in good hands and your IP will be working to free you. Stick some up beat music on and have a dance,throw yourself about, jig it up, blast the neighbors, it may not make much difference to your offer but it will make you feel better, its one good way to release those stress hormones. I will do it with you, its a right misserable day here, then we can compare our pulled muscles later on.

Stay sane

lily

Good advice from Lily, try and keep yourself busy so that you are not worrying about your situation. You can post any questions you want on here, thats exactly what this forum is here for.

Best Regards,
IVA Experts
http://www.iva-experts.co.uk/

Hi
i really do hope things will soon be sorted for you and your family.
I must admit i find reading a good book helps me relax,but i think ive been reading a bit to much Martina Cole as i feel like a bit of a gangster at the moment and my other half keeps telling me to calm down,but i do love a good book with a bit of grit and passion going on.

Tracy

I'm reading the new James Patterson at the moment - Double Cross. It's so much better than his last one. After that I've got the new Kathy Reichs (can't remember what that's called!) and then it's back to the Harlan Coben books, but there's only a few I haven't read.

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/

Hi Skippy
Just finished Tryptch -think thats how you spell it have now given it my friend to resd - by Karin Slaughter and I really enjoyed it even though it got mixed reviews. I love Harlan Coben too especially the Myron Bolitar books
Sue

i like john grisham books, abit old , but great reads..

half way thru the street lawyer at the moment..


hmm wish i cud do a full and final..

I wasn't too impressed with Tryptych - I prefer the Jeffrey, Sara and Lena books. I read the last one a few weeks ago - what an ending, which I obviously won't post here!

I prefer the Myron Bolitar books to the other Harlan Coben ones - I've bought those so I'll finish them when I've read my library books.

Richard, I used to love John Grisham, but I gave up at about the Runaway Jury - I found them all a bit samey. I might try them again though as it's a long time since I read one.

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/

new books are another thing that brings the situation home, I used to buy them as soon as they came out. I was very good and resisted the temptation to pick up the new patterson novel the other day. I'm having to wait for friends to finish them first. It was usually the other way round! I've got all my friends hooked on harlan coben too!
Just discovered that slipping on the stairs does'nt do you much good either! Oh well I'm going to put my foot up and feel sorry for myself for a while!!!

Pixie

You poor thing Pixie - I hope your foot's ok.

I used to buy books as soon as they came out, but I joined the library when I realised how dire my finances were! I buy the odd paperback when I get a WH Smith voucher to get a couple of pounds off, but other than that I have to wait for the library!

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/

Thanks Skip
I'm just hoping I havn't done any real damage! I can't stand on it at the moment!

I always forget about the library, I havn't been since student days. I think I'll have to go sign up again I'm in serious need of a good book.

Pixie

Chin up Mrs Skint, hope it all goes OK for you.


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Sorry guys just felt the need for a moan yesterday, one of my bad days. Legs hands and hips were agony and gets me down from time to time. To top it all, i woke up today feeling like i swallowed a golf ball and used sand paper to retrieve it. But im feeling happier so all is good.