IVA ACCEPTED

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Hammie1

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Post by Hammie1 » Tue Aug 24, 2010 6:14 pm
Hi All

Apologies for this late post, but after the decision at our Creditors meeting that was held on Friday 20th August, we had to go and collect our children from Kent at there grandparents and have only just got back home.

Anyway, I am very glad and excited to say that our IVA was accepted on Friday. I telephond the office 10 minutes after the meeting as they asked me to, and feeling very sick.., I spoke to a really lovely person who confirmed that the IVA had been accepted. Most off our creditors voted, and for the ones that were bothered they all voted yes. We had a couple of modifications, but I was so pleased and releaved when she told me that we were ALLOWED to keep the car (some of you will remember, that we were desperate to keep the car), and there would be No equity release in our property at the end of the agreement. Although with the car they had asked for an extra year of payments, which makes our IVA 72 months.

You would not beleive what a huge relief this has been and how a hole load of weight felt like it had been lifted that afternoon, I just could not stop sighing!!!! and taking deep breaths, taking it all in.

The repsonse on this forum has been amazing, not just to my questions, by to many others, and I will definaltley be staying on here and offering any advise to others that may help them in this very hard circumstance.

We have already started to use our new budget plan, and to be honest it makes me feel sick to even want to spend money at the moment. I physically feel terrible over the thought of even going food shopping. I need to buy a new kettle as mine is leaking a little, but I just don't want to spend the money. I know it sounds silly, but I want to save it!!!.

I really hope that everyone out there finds the solution that is right for them, as the day I picked up the phone, desperate for advice about our finances, admitting that we had a problem, was one of the best decisions I have made in a long time.

A special thank you to Thriftywitch, Lyn, Jan, Skippy, Lesley, Helen Andy Davie, Melanie Giles, Michael Peoples.

Just also to add that we would of loved to join all of those at the Xmas get together, but I have googled the area and it looks like it would take us about 3 hours to get there, and we would need an overnight stay. I really don't think we would be able to afford the fuel that close to Xmas, but I am sure that you will all have a great time.

Thanks Again
Sam [:)][:)]
Last edited by Hammie1 on Tue Aug 24, 2010 6:18 pm, edited 1 time in total.
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

Pandy

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Post by Pandy » Tue Aug 24, 2010 6:22 pm
Congratulations on getting passed the creditors meeting, and welcome to the debt free road, may it be smooth and have no potholes for you.
Last edited by Pandy on Tue Aug 24, 2010 6:22 pm, edited 1 time in total.
If life is what you make it, I must have been in a strange mood when I made mine
 
 

Hammie1

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Post by Hammie1 » Tue Aug 24, 2010 6:25 pm
Thanks Pandy, hope is all is going well with yours. How do you put the countdown on your profile??.

Sam
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

kallis3

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Post by kallis3 » Tue Aug 24, 2010 6:25 pm
Congratulations Sam, what a relief for you.

You will love budgeting and having money left once you've finished the food shopping.

Sorry you're not going to be able to come at Christmas.

We tend to choose the Midlands as it is central for most people as users are spread far and wide.

Perhaps next year?
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
 
 

luluj

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Post by luluj » Tue Aug 24, 2010 6:26 pm
excellent news for you and yours - good luck and be assured the time will go quickly and before you know it you will be out the otherside and will be able to afford the extra trips etc

Well done !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
 
 

Hammie1

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Post by Hammie1 » Tue Aug 24, 2010 6:27 pm
Hi Jan & thanks.

Yes I assumed the Midlands as that is more central for people, but yes would definaltey consider for next year.

Thanks again

Sam
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

Pandy

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Post by Pandy » Tue Aug 24, 2010 6:27 pm
Hi Hammie 1,
it is on the profile page it asks you to put the date your IVA started in and it automatically added the countdown to my profile. I did change the date though as I make my payments on the 1st of the month but my IVA wasn't until the 21st so it was always a month behind, once I changed it to the date I made my payment it is correct.
If life is what you make it, I must have been in a strange mood when I made mine
 
 

Hammie1

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Post by Hammie1 » Tue Aug 24, 2010 6:30 pm
Ah ha - thanks Pandy all done.

Sam x [:)]
F&F accepted 12/8/13 - Awaiting Completion Certificate :-)
Thanks to everyone for your support. Could'nt have done it without you.
 
 

Adam Davies

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Post by Adam Davies » Tue Aug 24, 2010 6:33 pm
Hi Sam
Congratulations and good news about the car
Well done
Regards
Andam Davies
 
 

Tina Shortland

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Post by Tina Shortland » Tue Aug 24, 2010 7:05 pm
Congratulations Hammie1 - so pleased top hear your good news and that the car is safe.

Enjoy celebrating and your new way of life - do remember to treat yourself once in a while - even if it is with a new kettle!

Best wishes,
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.
 
 

Struzzo39

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Post by Struzzo39 » Tue Aug 24, 2010 7:42 pm
Congratulations!!!! I bet the feeling of relief is immense. I hope your journey ahead is a smooth one and that you learn to enjoy your new way of life. I've found it quite addictive if thats the right word. Heres to the count down to a debt free future for us all x
Steven & Debbie
 
 

Lou74

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Post by Lou74 » Tue Aug 24, 2010 11:09 pm
Huge congratulations!! Its great to hear all these positive stories It must be such a great feeling after all the months of worry and wondering if it will be accepted. I'm waiting for my proposal, so hoping it will be my turn soon!!
All the best
x
 
 

ashb

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Post by ashb » Wed Aug 25, 2010 6:27 am
Good luck
 
 

dw1983

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Post by dw1983 » Wed Aug 25, 2010 6:58 am
Congratulations hope all goes smoothly for you
Iva completed
 
 

Shining

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Post by Shining » Wed Aug 25, 2010 8:06 am
Congratulatons from myelf too and I hope your IVA journey is a smooth one. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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