APPROVED!!

[SUNNY2MORO]

Hi everyone, just thought that I'd let you know that mine & my husbands IVA's have been approved this morning!! I can't tell you the relief I feel and the huge weight that has been lifted from our shoulders.

I would just like to say a massively huge thank you to Melanie & all her fantastic team who have been amazing. Tom phoned me earlier to let me know the great news.

I really thought that ours would be the one that was declined as we have Northern Rock as our main creditor but they agreed even though our mortgage is on a repayment basis (not with NR though). We proposed a 6 year IVA in the first place as we knew that would be an issue with NR. No modifications to our payments or allowances the only modifications made were down the fees.

We are over the moon and can now start to breath again. The kids will have their old mum back [:)]

Heartfelt thanks to everyone who posts on here, you really have helped me over the past few months. Without this forum we wouldn't have found Melanie & we would probably still we looking for a way out of our huge mess.

We can now look forward to a very frugal Christmas but all paid for in cash and not the credit cards - it will be so refreshing to not have to worry about the bills dropping on the mat in January!

Thanks again

Sunny xx

[Declan at DebtFreeDirect]

Congratulations Sunny and well done to Melanie and her team.

[Julie]

Great news Sunny [:)]

Melanie and her team certainly know their stuff [:)]

You'll be surprised how enjoyable Christmas can be on a budget.

[Cath]

Excellent news. So pleased for you and your family and well done to Melanie and the team too xxx

[carrie]

Congrtulations! [:)]
It's such a huge relief isn't it?

[MelanieGiles]

So pleased for you - I do know how much this meant for you, and I look forward to working with you over the next few years.

[SUNNY2MORO]

Thanks all.

The relief is immense, I can actually eat today! All day yesterday every time I thought about today my stomach did a somersault! & as for sleep, will that just didn't happen!

Thanks Melanie - I very much look forward to working with you over the coming years.

[Pennyless]

Sunny2moro and other fantastic result then...also well done to Melanie and the team....still to have my meeting confirmed but its great to hear others success.

Really really happy for you and yours....as you say you can now start getting your life back together.

[Shining]

Sunny2moro it's sunny today for you! Well done on your acceptance and you're truly on your way to your debt freedom, well done to Melanie and her wonderful team too another great result.

[Skippy]

Congratulations to you and Melanie's team and good luck for the future x

[Max]

So very pleased for you and good luck for the future- you are in the best possible hands with Melanie - you and your family your lives back! J

[Michael Peoples]

Well done to all concerned from me too.

[stirling]

Well done from me too. Have a bottle or to of CHEAP wine tonight.

[MRBLUESKY]

fantastic news, congratulations sunny merry xmas.

[kallis3]

Fantastic news sunny. Very pleased for you.

Good luck with your IVA and don't forget to keep in touch.