Im currently waiting for my creditors meeting to see if our IVA proposal will be accepted, meeting is next Thursday (26th)so could really do with some support as im very nervous and just hope everything goes ok.
Hi and welcome to the forum it is very normal to fell nervous i was but this websire is brilliant and there are lots of experts on here
hope all goes well on the 26th
Good luck! Everyone on here is really nice - and lots of people always waiting for their creditors meetings too. I come on here just to let off steam and panic - and I always feel loads better afterwards!
Hi Kitty33, welcome to the forum - glad you jumped on just when you need the support most! Everyone on here will know what you are going through whether from a personal experience or from the clients we look after.
I'm sure everything will be fine - keep us posted as to how you get on and use everyone on here as much as you need to!
Regards,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
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Hi and welcome to the forum. Were quite new too the iva process being only 6 months in. So far so good and can only say its been a positive experience for us and has brought us alot closer together. Still managing to save whilst in the plan and will be off to turkey in 9 weeks. All paid for by our hard earned cash!!!! Albeit not been easy. Good luck and hope all goes to plan. I remember all the feelings all too well. xx
Struzzo39 wrote:
Hi and welcome to the forum. Were quite new too the iva process being only 6 months in. So far so good and can only say its been a positive experience for us and has brought us alot closer together. Still managing to save whilst in the plan and will be off to turkey in 9 weeks. All paid for by our hard earned cash!!!! Albeit not been easy. Good luck and hope all goes to plan. I remember all the feelings all too well. xx
How the heck do you manage to save enough to go to turkey??[:0]
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
I would say that you need to make sure you understand every aspect of this before you go through with this. It can be good but not for everyone, it all depends on which firm you decide to go with, some are not as good as others, also I am sure I am going to be beaten up by saying this but this web site is one of the better but never forget, whoever you decide to do your IVA with its not from the bottom of their hearts that they want you, its all about money and that the bottom line, even here I do find its a bit sicky at time with so many people singing praises here about certain firms but it is about profit and nothing more.You pay they delliver !!!
Struzzo39 wrote:
Big deposits were put on the credit cards pre iva if were honest, help from family and saving from our allowances!!! Like I said not been easy
I do hope you are going to send a post card to your creditors[8D].
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Dont make me feel bad!!!! The holiday was booked way before we admitted there was a problem. It was the hardest thing i've ever had to do. My pride was crushed. I just sooo wish we'd sorted out our mess years before. God have we learnt our lesson!!! Never will we obtain any credit ever again bar our mortgage obviously.
Last edited by Struzzo39 on Wed Aug 18, 2010 7:18 pm, edited 1 time in total.
Don't feel bad struzzo, I'm certainly not going to and I've cut back and back on shopping etc., to get myself a little spending money, you go and you enjoy xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
