IVA Accepted!!

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heavydebt

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Post by heavydebt » Thu Jun 10, 2010 3:59 pm
Still in shock but yes our IVA's have been accepted! It hasn't really sank in yet, maybe it is because my husband took the call, I don't know. Real mix of emotions, happy, relieved and ready to face a difficult 6 years. I know it won't be easy but the end is already in sight for the first time in our adult lives.

I want to say a huge thankyou to Melanie and her team, they have all been great, so helpful and understanding when we have needed them. Being so easy to speak to, helped make the decision to do something about our debts a little easier by having non-judgemental people to speak to. In the begining, I couldn't even bring myself to talk to Tina on the phone about our debt but she made me feel really comfortable and put me at ease. A big thankyou again Tina, Angela, Tomas, Gareth and especially Melanie.

Everyone on the forum, posting at all hours, thankyou to you too. You know who you are but I wonder if you know just how much comfort you bring to people like me, just starting out. You can be quite desperate sometimes waiting for someone to answer your post and you are always there in a flash with support even if you can't advise. You are wonderful people on here.

I will keep posting but again, thankyou, thankyou, thankyou x x x
The future's bright, the future's debt free. In 72 months to be exact!
 
 

rayb

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Post by rayb » Thu Jun 10, 2010 4:03 pm
Congratulations Heavydebt

Here is to a debt free future and less of a heavy debt to come [:D]
 
 

artemischild

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Post by artemischild » Thu Jun 10, 2010 4:05 pm
HOOOOORRAYYYY!! Many congrats hun! let this be the new start you have been waiting for!!

Best wishes
Arty
IVA completion and certificate received 08/10/2012!!!
 
 

back on track

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Post by back on track » Thu Jun 10, 2010 4:16 pm
congrats m8
i know what frought time it is waiting for that call and when it does come nothing is really sinking in untill a few hours after.
then your thoughts turn to setting up that first payment.
you will be fine from now on just keep on top for the first year then it becomes easier to take being in a iva.
nov will be my 2nd aniversary and life is pretty much back to a normal routine and you will actullay enjoy shooping around for stuff and paying cash for it.
when its all over i will find it hard to get out of that mode of thinking and will be quids in[:D]
cc received 6th January 2014 now upwards and onwards
 
 

kallis3

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Post by kallis3 » Thu Jun 10, 2010 4:22 pm
Excellent news heavydebt, really pleased for you and another good result for Melanie and her team.

Good luck and please do keep posting.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

justsurviving

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Post by justsurviving » Thu Jun 10, 2010 4:29 pm
Congratulations, excellent news. I've got my IP meeting with Melanie today so, hopefully, in a few weeks time I'll be making a similar post.
Congratulations again, well pleased for you.
 
 

Shining

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Post by Shining » Thu Jun 10, 2010 4:32 pm
Hi and great news for you, hope your journey to debt freedom is a smooth one. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Michael Peoples

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Post by Michael Peoples » Thu Jun 10, 2010 4:46 pm
Congratulations and well done to Melanie and her team.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
 
 

Sinking Fast

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Post by Sinking Fast » Thu Jun 10, 2010 4:50 pm
Superb news Heavy.

Just think in 60 months you will have to change that forum name to something more relevant.

Well done to Mel and team.
 
 

kallis3

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Post by kallis3 » Thu Jun 10, 2010 4:54 pm
I think I would change it now - the debt is not weighing heavy anymore!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Goosed

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Post by Goosed » Thu Jun 10, 2010 4:56 pm
Fandabidozie...Bet it`s the best you`ve felt for a very long time.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".

Eric Cantona
 
 

Tina Shortland

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Post by Tina Shortland » Thu Jun 10, 2010 5:40 pm
A real pleasure.

We are all so pleased for you - its such a great feeling for us too when our clients get the good news. I know those first phones calls are always so hard but if I could bottle what you are feeling now and give a spoonful to each new client I speak to to give them some reassurance it would make things easier.

Well done for sticking with it and here's to your new debt free way of life. Yes it may be tough from time to time but not unmanageable and definitely nothing to give you sleepless nights over again.

Happy celebrating!
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.
 
 

heavydebt

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Post by heavydebt » Thu Jun 10, 2010 5:40 pm
Thanks everyone. There was only black horse who didn't agree. We have had to do an extra year so six, but Melanie had prepared us for this and to be honest, we don't mind too much. We are lucky that we could do this in the first place. Like many others, we don't like the thought of not paying our debts fully but I dread to think how bad it would have got if we couldn't of done this.

We are going to keep track of every penny now, writing everything we spend down. I have already started planning meals so there is no waste and cannot believe that we are going to have money for clothes when we need them! Something we haven't had the luxury of for a while, well, except for our baby. We are fortunate that we have a good budget set and we both agree that we should be more than able to live within it.

Still can't believe it! Accepted!

xx
The future's bright, the future's debt free. In 72 months to be exact!
 
 

GettingHelp

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Post by GettingHelp » Thu Jun 10, 2010 6:14 pm
congratulations from me too, thats fantastic news.
IVA APPROVED
 
 

heavydebt

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Post by heavydebt » Thu Jun 10, 2010 10:14 pm
Thanks again everyone.

Bedtime for me nearly, I am exhausted as I just tossed and turned all of last night. Looking forward to snuggling down and realising I have nothing major on my mind for the first night in a while.

Good night to everyone x
The future's bright, the future's debt free. In 72 months to be exact!
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