Nervous about creditors meeting

Get expert opinion. This is the place for new questions to be posted.
67 posts Page 4 of 5

Foggy

User avatar
Posts: 33396
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Thu Jul 11, 2019 9:33 am
Hallelujah ! Well done and welcome to your journey.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014

Hultonlady19

Posts: 85
Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Thu Jul 11, 2019 11:09 am
Thanks Foggy you’re a big shiny star 🥰

Lauren1995

Posts: 125
Joined: Sun Jul 07, 2019 7:42 pm

Post by Lauren1995 » Thu Jul 11, 2019 11:38 am
Thu Jul 11, 2019 9:08 amHultonlady19 wrote:
Approved !!!!!!!!!!!! Just waiting for them to ring me with the final agreement they have modifications a bit more payment wise etc but I’m so relieved 😌 I’ll let you know shortly what my payments and term are etc - thank you all for crossing everything for me and helping me through the worst time of my life ♥️
Well done!!! A question how much did you owe Natwest and what was your p/£

Allywally

User avatar
Posts: 78
Joined: Mon Jan 02, 2017 11:20 pm

Post by Allywally » Thu Jul 11, 2019 11:53 am
So happy for you, I remember the relief is unbelievable.

Hultonlady19

Posts: 85
Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Thu Jul 11, 2019 12:09 pm
Thu Jul 11, 2019 11:38 amLauren1995 wrote:
Thu Jul 11, 2019 9:08 amHultonlady19 wrote:
Approved !!!!!!!!!!!! Just waiting for them to ring me with the final agreement they have modifications a bit more payment wise etc but I’m so relieved 😌 I’ll let you know shortly what my payments and term are etc - thank you all for crossing everything for me and helping me through the worst time of my life ♥️
Well done!!! A question how much did you owe Natwest and what was your p/£
NatWest overdraft £6500 and NatWest credit card £4500 - the initial offer was 38p in £ but I’m waiting for them to ring me with confirmation of the modifications as they have said it will be more which is fine as they had some of my essentials at the top rate and probably knocked them down so I’m expecting the initial £361 per month to be slightly higher.

Hultonlady19

Posts: 85
Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Thu Jul 11, 2019 12:11 pm
Thu Jul 11, 2019 11:53 amAllywally wrote:
So happy for you, I remember the relief is unbelievable.
Thanks ally- just waiting for them to confirm admin sorted and what I will be paying etc so relieved but still a waiting game !

Lauren1995

Posts: 125
Joined: Sun Jul 07, 2019 7:42 pm

Post by Lauren1995 » Thu Jul 11, 2019 12:38 pm
Thu Jul 11, 2019 12:09 pmHultonlady19 wrote:
Thu Jul 11, 2019 11:38 amLauren1995 wrote:
Thu Jul 11, 2019 9:08 amHultonlady19 wrote:
Approved !!!!!!!!!!!! Just waiting for them to ring me with the final agreement they have modifications a bit more payment wise etc but I’m so relieved 😌 I’ll let you know shortly what my payments and term are etc - thank you all for crossing everything for me and helping me through the worst time of my life ♥️
Well done!!! A question how much did you owe Natwest and what was your p/£
NatWest overdraft £6500 and NatWest credit card £4500 - the initial offer was 38p in £ but I’m waiting for them to ring me with confirmation of the modifications as they have said it will be more which is fine as they had some of my essentials at the top rate and probably knocked them down so I’m expecting the initial £361 per month to be slightly higher.
Mine is £14,000 Natwest loan plus my other creditors. mine is 12.80p/£ kinda worried now but im on about £1000 monthly wage. scared are not being accepted but im happy for you. well done. meeting is 23rd at 1pm

kallis3

User avatar
Forum Expert
Posts: 77177
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Jul 11, 2019 12:49 pm
Lauren - I am sure you will be fine. Everything crossed for you.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Lauren1995

Posts: 125
Joined: Sun Jul 07, 2019 7:42 pm

Post by Lauren1995 » Thu Jul 11, 2019 12:51 pm
Thu Jul 11, 2019 12:49 pmkallis3 wrote:
Lauren - I am sure you will be fine. Everything crossed for you.
thank you :) I suffer with bad anxiety etc so I overthink

kallis3

User avatar
Forum Expert
Posts: 77177
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Jul 11, 2019 1:13 pm
We all do that whilst waiting - you are not alone with that.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Hultonlady19

Posts: 85
Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Thu Jul 11, 2019 1:27 pm
Thu Jul 11, 2019 12:38 pmLauren1995 wrote:
Thu Jul 11, 2019 12:09 pmHultonlady19 wrote:
Thu Jul 11, 2019 11:38 amLauren1995 wrote:


Well done!!! A question how much did you owe Natwest and what was your p/£
NatWest overdraft £6500 and NatWest credit card £4500 - the initial offer was 38p in £ but I’m waiting for them to ring me with confirmation of the modifications as they have said it will be more which is fine as they had some of my essentials at the top rate and probably knocked them down so I’m expecting the initial £361 per month to be slightly higher.
Mine is £14,000 Natwest loan plus my other creditors. mine is 12.80p/£ kinda worried now but im on about £1000 monthly wage. scared are not being accepted but im happy for you. well done. meeting is 23rd at 1pm
My total debt was £50k though so I’m sure you will be fine Lauren - and I get paid enough to cover the higher dividend so they base the offer on what you can afford not what they think creditors will only accept x

Hultonlady19

Posts: 85
Joined: Thu Jun 20, 2019 9:16 pm

Post by Hultonlady19 » Thu Jul 11, 2019 7:40 pm
Had confirmation £391 for 5 years, start of a new journey and managing my money better 👍

kallis3

User avatar
Forum Expert
Posts: 77177
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Jul 11, 2019 8:00 pm
Good news for you and you know where where we are!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Lauren1995

Posts: 125
Joined: Sun Jul 07, 2019 7:42 pm

Post by Lauren1995 » Thu Jul 11, 2019 9:00 pm
Thu Jul 11, 2019 1:27 pmHultonlady19 wrote:
Thu Jul 11, 2019 12:38 pmLauren1995 wrote:
Thu Jul 11, 2019 12:09 pmHultonlady19 wrote:


NatWest overdraft £6500 and NatWest credit card £4500 - the initial offer was 38p in £ but I’m waiting for them to ring me with confirmation of the modifications as they have said it will be more which is fine as they had some of my essentials at the top rate and probably knocked them down so I’m expecting the initial £361 per month to be slightly higher.
Mine is £14,000 Natwest loan plus my other creditors. mine is 12.80p/£ kinda worried now but im on about £1000 monthly wage. scared are not being accepted but im happy for you. well done. meeting is 23rd at 1pm
My total debt was £50k though so I’m sure you will be fine Lauren - and I get paid enough to cover the higher dividend so they base the offer on what you can afford not what they think creditors will only accept x
They are gonna offer £104 and 12.80p/£ all altogether my debt is 20,000

luluj

User avatar
Forum Expert
Posts: 11333
Joined: Sun Dec 09, 2007 6:54 am
Location: United Kingdom

Post by luluj » Thu Jul 11, 2019 9:22 pm
I am so pleased for you ...after the delays of the last few days you can now relax a little ...well done x
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"
67 posts Page 4 of 5
Return to “Ask IVA Forum and Industry experts”