ACCEPTED!!!!!!!!!

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blonde38

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Post by blonde38 » Fri Sep 18, 2009 12:08 pm
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Hi everyone,

Just had a call from Adam at ClearDebt - my IVA was accepted.

Only one modification - they reduced my contingency by £10 per month so I am paying £271.80 on a £45k debt. Which works out at 24p in the £. Can't believe it. First Direct voted yes so had 86% majority.

So it has taken exactly one month from my first contact to approval - is that a record???? lol

Thanks for all your support.

Tracy x
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Pennyless

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Post by Pennyless » Fri Sep 18, 2009 12:09 pm
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blonde38....great news!!!!!!!!!!!!

Well done you and Cleardebt!
I came into this world with nothing and still have most of it left!
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kallis3

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Post by kallis3 » Fri Sep 18, 2009 12:11 pm
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Well done Tracy - brilliant news and good luck for the future.
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
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Skippy

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Post by Skippy » Fri Sep 18, 2009 12:14 pm
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Congratulations and good luck for the future x
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Debtwitch

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Post by Debtwitch » Fri Sep 18, 2009 12:17 pm
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Well done - that's fantastic news!
Kind regards,

Angela Rosler
Insolvency Manager

Helping people with their debt problems for nearly 10 years.

Contact me directly for free, impartial, confidential help and guidance.
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size5

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Post by size5 » Fri Sep 18, 2009 12:22 pm
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I knew that you were fine yesterday and was dying to tell you, but formalities have to be observed so I couldn't. We are all delighted for you here, and Adam in particular never fails to sing your praises. He wishes all his clients could be as switched on and helpful as you have been.

Here's to your journey and the very best of luck with it, a glass or two of your favourite tipple would be well in order if you are so minded.

Regards.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself

Follow my tweets at http://twitter.com/debtmastersize5
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blonde38

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Post by blonde38 » Fri Sep 18, 2009 12:27 pm
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Size 5 - I can't believe you knew and didn't tell me!! I had a sleepless night for nothing lol.

Well it's my friends birthday today so it will now be a double celebration.

I really can't thank Ali & Adam at ClearDebt enough - they have both been so quick to reply to me and always so friendly on the phone.

A massive weight off my shoulders. I know 5 years is a long time but I had 5 years left to run on my personal loan with a hihger payment than my IVA so I'm definitely looking at this as a positive step!

Tracy x
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Pennyless

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Post by Pennyless » Fri Sep 18, 2009 12:34 pm
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Tracy in 5 years you will be debt free.......a positive step indeed.
Last edited by Pennyless on Fri Sep 18, 2009 12:53 pm, edited 1 time in total.
I came into this world with nothing and still have most of it left!
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Michael Peoples

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Post by Michael Peoples » Fri Sep 18, 2009 12:36 pm
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Well done Tracy and congratulations to Cleardebt. Enjoy your night tonight.
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
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kallis3

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Post by kallis3 » Fri Sep 18, 2009 12:36 pm
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The majority of the time the IP's know the outcome, but they can't tell you until after the time of the meeting in case any of the creditors change their minds.
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
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Max

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Post by Max » Fri Sep 18, 2009 12:39 pm
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Congratulations Tracy and to all involved.J
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kallis3

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Post by kallis3 » Fri Sep 18, 2009 1:22 pm
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Keep posting Tracy, let us know how you are getting on.
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
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essexmat

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Post by essexmat » Fri Sep 18, 2009 2:00 pm
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congratulations from me as well. I am in to month 2 and feel so much better with no credit available. Its not there so I cant spend it and I know where I am now. Sure its a struggle sometimes but I am not doing without - just means when I want to do something that costs a bit more I have to save now and thus will enjoy it more as its paid for!

P.S Payment sounds about right, I pay £250.13p/m on £38500 debt. Oh, and MBNA said not on their vote but I had 79% without them!
When you get in a mess, tackle it head on, there is always a way out ....
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Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Fri Sep 18, 2009 2:02 pm
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Congratulations and well done.
Best of luck with your IVA.
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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Shining

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Post by Shining » Fri Sep 18, 2009 3:03 pm
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Congratulations and hope your debt free 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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