My IVA was finally approved today after three adjournments, a lot of hard work by my IP team and a lot of worry and stressing by me. I can’t believe it has finally happened and I have been given another chance. I feel so relieved.
A huge thank you to Anna and David at Cleardebt, they have been fantastic. I know David is a busy man but he has had time to act personally on my behalf, to the extent that we have been exchanging emails at 5.30am !! This just goes to show how important it is to get an IP you feel comfortable with, one you can Trust and one who will pull out all the stops for you.
My proposal was already complex but the change in my personal circumstances part way through the application (partial loss of eye sight) made it even more complicated and this was largely the reason for the adjournments. Northern Rock (my biggest creditor) wanted revised figures and this was wasn’t easy as some of the changes to my lifestyle would be difficult to forecast. However, after a real rollercoaster ride we got there in the end. I really hope this gives some hope to others who are just starting to face up to their debts and turnaround their live.
This forum is amazing, it has helped me so much, it provides so much invaluable information. It supported me when I told my wife about my debts, that was the toughest thing I have ever done. It listened when I had my eye sight problems diagnosed and has kept me upbeat during the last week.
Oh, nearly forgot, thanks also to Ali and Mike (also at Cleardebt) who were great when I made the first steps of calling someone to try and sort my mess out.
It has been a complex process and I will blog the full details of what has happened over the last week when I get chance and have seen the chairman’s report, but in summary:-
Barclays – Yes
Barclaycard – Yes
Egg – Yes
Amex – No (wanted an additional payment of over £100 per month!!)
MBNA – Did not vote
Northern Rock – Yes (Eventually!!)
I’m definitely going to stick around so you had better get used to me. We are having friends round for a Eurovision party on Saturday to celebrate and then its down to the budgeting.
Well done Phil, you really must have been through the mill this week. Enjoy the relief and look to the future.
I will agree with you that Cleardebt and the people who work for them are great and are really helpful, and always seem to have time for you personally.
Thank you everyone, there is finally light at the end of the tunnel. Yes Gord, despite everything, they would not budge, and insisted on a 6 year IVA. As my loan with them had about 6.5 years to run then I suppose it is fair enough. I thought we had an argument not to have the extra year but c'est la vie.
Phil,
What can I say, I am so pleased for you. You have had so much thrown at you all the way through your IVa proposal and all the way through you have stood strong and you have donw yourself really proud. You have shown us all the reasons why your wife has supported you after you telling her about your debts and I am sure she feels that the debt problems is a small price to pay to have someone like yourself. Really really pleased for you, have a great night celebrating and all the very best for your IVA.
IVA.co.uk The best place for debt advice. Thanks to Melanie Giles, David Mond, David and J (Elv5) Kallis, Dand, Skippy, Andy Davie
I am so pleased it has finally worked out for you Phil. you so deserve it, you have enough on your plate with your health without this extra stress.
Hopefully now you can get yourself sorted and back on a stress free track.
very best wishes
carole
x
Never take a moment or a loved one for granted in the blink of an eye they may be lost forever.
Its a great feeling Paul and just can't wait to get things underway. Its going to be a long road and I know there will be bumps along the way. Just hope this forum doesn't lose it's personal and caring touch and become just a information resource. I feel I have made real friends on here and have told this forum things I have not told anyone else.
Two other accepts today, in fact I don't really recall any rejections since I found this forum at the end of March. I really didn't to be the first.
