I belong in this club now

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Rickne

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Post by Rickne » Fri Apr 25, 2014 11:15 am
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All approved with maximum positive votes. Minor modifications accepted.

Happy days incoming.[:D][:D][:D]
Completed via Early exit loan on year 4
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Michael Peoples

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Post by Michael Peoples » Fri Apr 25, 2014 12:02 pm
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Congratulations all round.
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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welshwiz

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Post by welshwiz » Fri Apr 25, 2014 12:58 pm
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Good Luck on your journey, it's not always easy, I found it really difficult some of the time, feeling as though big brother was watching every penny spent, learnt invaluable lesson though! We were lucky had F&F accepted after 2 years.
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Foggy

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Post by Foggy » Fri Apr 25, 2014 1:03 pm
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Well done. As Wiz says, it's not always easy ( but great when you pop out the other end!). You have a great team behind you, just keep the communication going and all will be fine.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Rickne

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Post by Rickne » Fri Apr 25, 2014 1:11 pm
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Hey my attitude is this. If all the outgoings are correct and fair and everyone who is dear to me gets what they need then the creditors are welcome to the rest. Perhaps leave me some beer tokens ... ;)
Completed via Early exit loan on year 4
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welshwiz

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Post by welshwiz » Fri Apr 25, 2014 1:26 pm
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Great attitude Rickne, you never know you might get some beer tokens along the way
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Foggy

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Post by Foggy » Fri Apr 25, 2014 1:44 pm
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Good way to look at it ... as you will probably have seen many times on the forum, a lot of us ( definitely me)were actually better off in the IVA, with everything nicely accounted for. There wasn't always a lot left at the end of the month, but everything stayed in the black. There was also the bonus that we got to keep half of any overtime etc .... in "the old days" the whole lot would have been swallowed by debt.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Rickne

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Post by Rickne » Fri Apr 25, 2014 2:33 pm
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Yeah overtime is a big part of my agreement. I do shift work so my wage differs greatly month to month so PJG provided me with a simple spreadsheet to enter details into to calculate extra monies owed each month. Even a simple berk like me can work it out so it must be good. :P
Completed via Early exit loan on year 4
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ivamess

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Post by ivamess » Fri Apr 25, 2014 2:59 pm
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Well done Rickne, like Foggy we are actually better off now because everything we had and more was going to the creditors. Our income is variable too and although only 1 month in we are doing the sums on the spreadsheet :)
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Rickne

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Post by Rickne » Fri Apr 25, 2014 4:25 pm
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nice to see that the extra payments arnt really that much extra either. :)
Completed via Early exit loan on year 4
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MelanieGiles

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Post by MelanieGiles » Fri Apr 25, 2014 8:26 pm
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It is always annoying when creditors seek that little bit more, but so long as you are happy with the payment level then I am sure we will have smooth sailing over the next five years. Glad to see a positive result for you today.
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Fri Apr 25, 2014 8:26 pm
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Fab news, hope it all runs smoothly for you
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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wiggle1

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Post by wiggle1 » Fri Apr 25, 2014 11:32 pm
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Good luck on your journey.
Life after IVA is wonderful.
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Struzzo39

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Post by Struzzo39 » Sat Apr 26, 2014 9:02 am
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Fantastic news. Good luck on your journey to becoming debt free.
Steven & Debbie
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luluj

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Post by luluj » Mon Apr 28, 2014 5:09 am
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Well done ... take it in your stride ... there is always a solution for every hurdle faced ...
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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