update after a break

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Johng79
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by Johng79 » Thu Jun 01, 2017 12:38 pm
Well guys as some of you may remember i had creditor meeting on fri 19th may.

Night before i was at 67% acceptance with mods so was worrying night, but final big vote got me over line 30 mins before meeting. Finished up with 91% acceptance as was able to turn 2 smaller creditor mods down. 3 creditors didnt bother voting.

First payment made last week so 59 to go. Signed and returned the chairman report.

Started to get statements in so im sure will start getting hassle calls from call centres over next 8 weeks (as told by my IP).

Think i worked myself up into such a lather its taken me a while to settle afterwards, so took self imposed online break. Many thanks to everyone for their help and advice in lead up to meeting!
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Michael Peoples
Industry Expert
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by Michael Peoples » Thu Jun 01, 2017 2:22 pm
The main thing is everything went through and now you can relax and perhaps become an expert. You have a few years to go so your input will always be invaluable.
Johng79
Posts: 108
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by Johng79 » Thu Jun 01, 2017 2:37 pm
Probably expert on anxiety meds Michael lol.
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Lisa Thomas
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by Lisa Thomas » Thu Jun 01, 2017 3:24 pm
Glad to hear it got through in the end.

Best of luck with it and come back if you have more queries your IP can't help you with.
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moira717
Posts: 178
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by moira717 » Thu Jun 01, 2017 7:13 pm
Hi John, so good to hear from you, think everyone kept checking and having not heard anything were a bit worried! Either that or thought you were on a 2 week celebration blast! Pleased everything worked out for you :D :D
Johng79
Posts: 108
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by Johng79 » Thu Jun 01, 2017 8:59 pm
All about getting the head down for me & getting through the next 5 years or so. Think i took so much out of myself stressing and overthinking things leading up to the meeting. Decided to just take break offline and take stock. Amazing feeling to just make iva payment, then have my living expenses, and thats it. No worrying about interest on bills to be able to use balance to pay different bill.

I know there will be difficulties over next few years but i am just focussing on the next 59 payments.

How are you getting on?
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luluj
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by luluj » Thu Jun 01, 2017 9:06 pm
Glad it all worked out for you ..59 to go ... count it down in bite size chunks !
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moira717
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by moira717 » Thu Jun 01, 2017 9:16 pm
Well I made my first payment today (am with step change so 2 months before first payment) but felt good! Know I have started my journey! I am on 6 yr iva so another 71 to go but every one closer to my goal. This has been a lifeline for me and hopefully for you too :D
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benjiboo1
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Joined: Wed Aug 17, 2011 4:48 pm
by benjiboo1 » Fri Jun 02, 2017 6:47 am
It is surprising how quickly it passes. Keep your head down & get in with it. Can't believe we are having a little holiday... first 1 in 6 years. Off to spain tomorrow for a week, only a cheap deal but hey ho we deserve it. & also next sunday it's our 40th wedding anniversary. good luck with your iva moira & John.
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moira717
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by moira717 » Fri Jun 02, 2017 9:45 am
Thank you benjiboo, have a great holiday and many congratulations on your 40th wedding anniversary! Xx
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benjiboo1
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by benjiboo1 » Fri Jun 02, 2017 9:52 am
Thanks moira, we are looking forward to a well deserved break & talk about the iva passing quickly for us... so has the past 40yrs.!!!
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Foggy
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by Foggy » Sat Jun 03, 2017 3:46 pm
Well done, John. Once you "settle in" to IVA life you will actually find it liberating and start having fun hunting out bargains. Try to treat it as you and your IP working together .. I have noticed that many of the problems that do arise are made worse ( or even created) by the debtor taking on an adversarial role. Don't overthink everything and communicate with your IP ( or Michael) before any itch becomes a boil !
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