Full and final Via Perinta accepted

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Rickne
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by Rickne » Thu Aug 10, 2017 2:13 pm
So there we have it. So begins a slighty less stressful leg of my journey . Now FREE of the IVA and strict regime (albeit a deserved and educational one) and onto what i consider the consolidation loan I always wanted. No more answering to Credit companys but at the same time a lesson learnt that Ill never take one out again .

I know this is not everyones idea of an acceptable way out of an IVA but my debt was small and I can pay this off anyway in a couple years. And along the way I'll have a lot more money at my disposal each month.

I'm very very happy. Time to call the bank , cancel my standing order and let this sink in a touch.


Much love.
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kallis3
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by kallis3 » Thu Aug 10, 2017 2:13 pm
Excellent news!!!
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Foggy
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by Foggy » Thu Aug 10, 2017 2:15 pm
Well done Rickne. It might not be everyone's choice, but if it works for you that is the important thing.
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Michael Peoples
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by Michael Peoples » Thu Aug 10, 2017 2:17 pm
I agree. If you are happy then it suits you so well done.
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Rickne
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by Rickne » Thu Aug 10, 2017 2:19 pm
Thanks guys. The deal is basically that the extra money Ill get each month next year when my car is paid off will go in the savings pot but i keep the overtime money i recieve each month. Then at the end of 2018 i'll finally afford my own place. Happy days. Thanks to you all here. I'll be sure to keep popping in.
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recovering
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by recovering » Thu Aug 10, 2017 3:02 pm
Fantastic news! it is amazing how many manage to finish early. I did consider Perinta but they said RBS would not accept early exit loans. I wish you all happiness and hope you have a very large drink when it has sunk in :D
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Waitingforship
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by Waitingforship » Thu Aug 10, 2017 5:23 pm
I too have bitten the bullet and am trying the early exit option with Perinta. Just a couple of weeks before the variation meeting so I have everything crossed. It will mean 5 extra payments from me. But I'm expecting a fair bit of o/t that'd I'd like to keep. So it will work out around the same duration left if I pay this in. My final straw was phoning up the IP firm to notify them of overtime. I told them my normal monthly salary was X but I had earned Y. I had worked out after the 10% I get to keep that their half of the difference was 44 pence. However part of the overtime was a mileage allowance paid to cover the additional mileage accrued when doing the overtime. I had to scan my bank statement and latest pay statement so they could make a decision as to whether I should pay the 44p.

I scanned and sent the requested documents, which isn't fun on an iPad and phoned Perinta immediately after to arrange the Early exit loan. It's been 21 days now and I still don't know whether I dare spend the 44 pence.

I know it will cost me more but it will be worth it for me to be no longer micro-managed.

I too, like the original poster, have learnt some valuable lessons and I have no doubt that my IVA as difficult as it has been, has got me out of the dark and smelly. But 44p really? Enough was enough. Two more weeks and I may just blow that 44p on the wife's anniversary present :D :) :lol: So wish us luck ! Oh and congratulations Rickne.
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harrysmummy78
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by harrysmummy78 » Fri Aug 11, 2017 7:21 am
That's great well done :) Big relief for you I am sure.. Hope you get your CC quickly like I did
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Foggy
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by Foggy » Fri Aug 11, 2017 8:26 am
Waitingforship wrote:
I too have bitten the bullet and am trying the early exit option with Perinta. Just a couple of weeks before the variation meeting so I have everything crossed. It will mean 5 extra payments from me. But I'm expecting a fair bit of o/t that'd I'd like to keep. So it will work out around the same duration left if I pay this in. My final straw was phoning up the IP firm to notify them of overtime. I told them my normal monthly salary was X but I had earned Y. I had worked out after the 10% I get to keep that their half of the difference was 44 pence. However part of the overtime was a mileage allowance paid to cover the additional mileage accrued when doing the overtime. I had to scan my bank statement and latest pay statement so they could make a decision as to whether I should pay the 44p.

I scanned and sent the requested documents, which isn't fun on an iPad and phoned Perinta immediately after to arrange the Early exit loan. It's been 21 days now and I still don't know whether I dare spend the 44 pence.

I know it will cost me more but it will be worth it for me to be no longer micro-managed.

I too, like the original poster, have learnt some valuable lessons and I have no doubt that my IVA as difficult as it has been, has got me out of the dark and smelly. But 44p really? Enough was enough. Two more weeks and I may just blow that 44p on the wife's anniversary present :D :) :lol: So wish us luck ! Oh and congratulations Rickne.



Whoa ... maybe just go halves :lol:
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Waitingforship
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by Waitingforship » Fri Aug 11, 2017 9:22 pm
Ha ha. I know Foggy. I'm being petty. It still feels worth it though. Well I should say it will if they say yes.
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Waitingforship
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by Waitingforship » Fri Aug 11, 2017 9:24 pm
..... and I totally missed your joke. Lol Foggy there is no way Mrs Waitingforship is gonna give up her extra 22p :lol:
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