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Kitty33

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Post by Kitty33 » Wed Aug 18, 2010 3:32 pm
Hi,

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.

Any words of advice would be greatly appreciated.

Thanks[/font=Georgia]
 
 

dw1983

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Post by dw1983 » Wed Aug 18, 2010 5:00 pm
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
Iva completed
 
 

missy80

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Post by missy80 » Wed Aug 18, 2010 5:09 pm
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!
 
 

Tina Shortland

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Post by Tina Shortland » Wed Aug 18, 2010 5:12 pm
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.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
 
 

Pandy

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Post by Pandy » Wed Aug 18, 2010 5:45 pm
Good luck I am sure everything will go well.
If life is what you make it, I must have been in a strange mood when I made mine
 
 

plasticdaft

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Post by plasticdaft » Wed Aug 18, 2010 6:01 pm
Welcome along. Who is putting your proposal to creditors and who are your main creditors?

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
 
 

Struzzo39

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Post by Struzzo39 » Wed Aug 18, 2010 6:44 pm
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
Steven & Debbie
 
 

plasticdaft

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Post by plasticdaft » Wed Aug 18, 2010 6:52 pm
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.
 
 

ashb

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Post by ashb » Wed Aug 18, 2010 6:55 pm
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 !!!

good luck
 
 

Struzzo39

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Post by Struzzo39 » Wed Aug 18, 2010 6:56 pm
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
Steven & Debbie
 
 

plasticdaft

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Post by plasticdaft » Wed Aug 18, 2010 7:04 pm
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.
 
 

Struzzo39

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Post by Struzzo39 » Wed Aug 18, 2010 7:16 pm
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.
Steven & Debbie
 
 

Shining

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Post by Shining » Wed Aug 18, 2010 7:17 pm
I'm going to Gran Canaria in November courtesy of my MIL.

Welcome to the forum Kitty and good luck for next week, don't forget to let us know how you get on x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Shining

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Post by Shining » Wed Aug 18, 2010 7:20 pm
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.
 
 

Kitty33

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Post by Kitty33 » Thu Aug 19, 2010 8:25 am
Hi,

thanks for all your replies, it sure helps to know im not the only person in this situation, although sometimes it sure as hell feels like it.

Im with Freeman Jones and my main creditors are Halifax, Santander and shop Direct.

This time next week i will hopefully be out of my misery in a few hours time [:)]

Thanks again
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