HI CEC
First of all I would say all of us worried about our IVA proposals as its all alien territory for the majority of us.
However an IP will not potentially waste their time putting forward a proposal that is doomed from the start, so try not and worry on this score; a tip might be to try and balance the failure thoughts with those of acceptance thoughts and this will lighten your mood,, well thats what i did anyway
Furthermore, as someone who has used the forum on a regular basis for several years I think I can safely say and many forum members will support me in this, that Melanie Giles is one of if not the best IP out there. Mel & her team work tirelessly for both their clients and members who post on the forum but are not mels clients. Whilst ive come out of the IVA journey the other side with a certificate and used a different IVA co than Mels , I have no hesitation in assuring you that your are in good, if not the best hands. Not that i intend getting into a financial mess again, but if I did Mels company would be the only one I would approach to rescue me from my debt problem, although as with many other forum members ive learned my lesson re credit !!
Dont focus on the debt value & proposed dividend, as its likley 7p in the pound is more than bankruptcy would produce your creditors, which is why I suspect Mel has made the proposal.
In the event of the proposal not being accepted ( unlikley ) Mels team will not abandon you they will assist with an alternative way forward.
Chin up , keep smiling , youve started the road to recovery and being debt free, as if like me, the hardest decision was facing the facts that had been staring me in the face for a good 2-3 yers before I was brave enough to recognise and seek help
Last edited by
12 months to go on Tue Mar 19, 2013 10:30 am, edited 1 time in total.
Last payment made April 2012
Certificate received 1st Nov 2012