Well it really is party time on the forum tonight!!!
Excellent News Phil - the very best. So so pleased for you. Three out of three today - just fantastic. And I totally agree with you everyone on here is so fabtastic and so patient and kind. When you think about it I wonder if anyone goes into an IVA or debt probs without loads of other baggage elsewhere too? So not only do we have to try and sort the debt things out there is also the other stuff going on. But when you hear such good news like today - it gives so much hope.
Thanks guys and well well done.
And of course to all the experts on the forum we are in awe and in your debt ........ will 1p in the pound do?
Have a great night Phil and have a fab weekend.
Poppyfairy [:)]
There's an old zen saying 'Only an empty bowl can be filled'. It means that the moment you think you have nothing left is the moment when growth and progress become inevitable. Everytime you see an empty bowl, think of the potential.
Phil,
Fantastic news, I am so pleased for you, you really deserved this.
Well done to you and David and his team.
NR 6 yrs? We'll be counting down together!!
I've been following your (somewhat twisty-turny) progress whilst keeping a general tab on the forum, and few can surely say they have had as difficult time as you.
Any way, albeit I'm concentrating on getting all the required documentation to IVA Advice Bureau at the moment (final piece going tonight), I hope to contribute more to the forum in the future so I'll hopefully catch you then.
Well markm the IVA ADvice Bureau is one of Melanie's businesses and you will be fine with her and her team. So get her all the paperwork soon.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
Phil that is absolutely great news (especially the MBNA not voting be as that would be a bonus if the same happens for me) I'm so glad that things have worked out for you and given your list of creditors I'm feeling very confident that things will work out good with mine.
Approved 3rd June 2009 first payment made on the day.
Offer made and settled - happy days
76.5k debt creditors:- Northern Rock, MBNA, Barclaycard, LloydsTSB and Capital One
just got in. Thanks for all the comments. Lovely post poppy. Pap we will definately count down together. Markm good luck starting your journey. And gary mbna are crazy. They chase you like mad for payment and then dont vote on a 19k debt
Yeah Phil, that just seems so crazy, I'm in to them for over 30k as my biggest creditor and with all their criteria for accepting an IVA seems weird to then not vote. But a result for you. Happy days!
Approved 3rd June 2009 first payment made on the day.
Offer made and settled - happy days
76.5k debt creditors:- Northern Rock, MBNA, Barclaycard, LloydsTSB and Capital One
Excellent News Phil - the very best. So so pleased for you. Three out of three today - just fantastic. And I totally agree with you everyone on here is so fabtastic and so patient and kind. When you think about it I wonder if anyone goes into an IVA or debt probs without loads of other baggage elsewhere too? So not only do we have to try and sort the debt things out there is also the other stuff going on. But when you hear such good news like today - it gives so much hope.
we are in awe and in your debt ........ will 1p in the pound do?
