just want to give my biggest thanks to everyone and especially declan

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Post by sam.d82 » Thu Aug 12, 2010 8:22 pm
Hi everyone, ive been on here a few times and have panicked myself to heck over my failing ive.... anyway i just want to give my biggest thanks to everyone and especially declan at DFD. i was woriied and he sorted my case out very quickly ! my creditir meeting for my F&F is on the 25 th Agust, a very low divident (6p) should hve been 42P if the iVA had lasted but circumstances were that my contract ended, i have an autustic son with child care fees creeping up then i fell pregnant and found a lump in my breast anyway last resort is bankruptcy! so F & F put forward.....up to date news is waiting to hear on the 25th but have to call DFD tomorrow as i has an emergency ceasarian last week as the lump in my breast is cancer and i have ignored it !! its being removed tomorrow pm but docstors dont think its looking good and if this doesnt work after chemotherapy then i have expected 2 isg years left......im 29. i just hope the F &f is accepted so i can enjoy whats left!! i had a little girl and he is beautiful ! just to let those that are looking at posts dont be scared to ask for help because there are amzing peopel on here, dont be ashamed....xxxxx


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Post by luluj » Thu Aug 12, 2010 8:34 pm
So sorry to hear your story. Declan is a real support and having used him myself in the 24hrs I have had my review conducted and a review of other things too all within 48hrs of speaking to him - let's hope your F&F is approved and you to can then sit and enjoy your family more - take care x
Sharing from experiences of dealing with debt

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Post by MelanieGiles » Thu Aug 12, 2010 8:37 pm
A big pat on the back for Declan, who works tirelessly for forum members who have their IVAs with DFD. Fingers and toes crossed for you at the meeting! With regard to your health, the news you have received must be devastating, but remain positive and strong for your family's sake, and glad to hear that at least your debts are soon to be under control.
Last edited by MelanieGiles on Thu Aug 12, 2010 8:47 pm, edited 1 time in total.
Regards, Melanie Giles, Insolvency Practitioner


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Post by Skippy » Thu Aug 12, 2010 8:42 pm
I'm so sorry to hear your news.

Good luck for 25th, and please let us know you are. We're all here to support you, so please keep posting xxx


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Post by Shining » Thu Aug 12, 2010 9:08 pm
Good luck for the 25th, so glad that Declan has helped you and I wish you all the positive thoughts in the world for your health, please stay in touch with the forum. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.


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Post by Julie » Thu Aug 12, 2010 9:15 pm
What a brave lady you are and how awful you have to worry about debt on top of everything else. I'm sure Declan will do everything possible -good luck for the 25th.

Congratulations on the birth of your daughter, I'm sure she's a little cutie who bring you and your family so much joy - what does your son think of his new sister??

My thoughts and prayers are with you and I hope the doctors are proved wrong.

Good luck and we're here for you anytime xx

Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Fri Aug 13, 2010 9:16 am
Hi Sam
I’m devastated to here your news and as Julie said, you are an incredibly brave person and I promise you, I will do the upmost to ensure everything runs smoothly for you. Its the very least we can do.

Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.


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Post by kallis3 » Fri Aug 13, 2010 9:46 am
Congratulations on the birth of your daughter, but what devastating news otherwise. I really feel for you.

I hope the creditors have something like a heart rather than a swinging brick and accept your offer.

Sending you a big hug )))))HUG((((( and I hope the chemo works.

Keep us informed.
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Post by St75 » Fri Aug 13, 2010 11:22 am
Debt is the last thing that you need on your mind at the minute. I hope everything goes well for you on the 25th, so you can move on from debt and focus on your family and your health. I really hope that your treatment works for you.

Started lump sum IVA in Aug 2010 - received certificate of completion April 2011, thanks to Melanie & team


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Post by Lisa2009 » Fri Aug 13, 2010 11:47 am
Very best of luck for your meeting.
You're a very brave lady and deserve this to be accepted so you can concentrate on your family and your health. Fingers crossed for you and i really hope EVERYTHING works out well for you xxx
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Post by Adam Davies » Fri Aug 13, 2010 12:00 pm
Very best of luck for the 25th, I am sure that your creditors will agree.
You can then focus on your family and your health
Andam Davies

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Post by Michael Peoples » Fri Aug 13, 2010 1:26 pm
I can only add my best wishes too and congratulations on the new arrival. I agree with Andy that creditors will look very sympathetically on your case and DFD will be pulling out the stops to get the variation approved.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
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Post by Pandy » Fri Aug 13, 2010 2:00 pm
Congratulations on you new bundle of joy, and fingers crossed for your op and chemo, It is a horrible thing to have to face with such a young family,
Good luck for the 25th
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Post by missy80 » Fri Aug 13, 2010 4:08 pm
Congratulations on your lovely baby. Hope the operation goes well and the finance stuff gets sorted so you can focus on getting better again. xx
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