Officially insolvent

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moneyclown

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Post by moneyclown » Thu Aug 30, 2007 12:57 pm
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This is my first posting although I have been visiting and reading the posts on here for months now. Yesterday I had my IVA agreed Thank God!! I would just like to take this opportunity to thank Melinie Giles and her team for being so helpful and speedy while putting my case together.

I had a debt of £48000 spilt between 4 creditors
£5500 MBNA
£2500 AMEX
£13000 EGG
£270000 Natwest


MBNA voted against the IVA
AMEX and EGG didnt vote and Natwest voted yes with some modifications
(an extra £40 and half my bonus I get at work)

So each month I am now paying £450

Melanie made me feel confident that I would get a yes otherwise she would of guided me into another direction im sure.

Although I am now in an IVA and I feel relieved, I still slightly nervous for the future.

For anyone that is worried about their debt problems just keep reading on this forum and you will soon find the answer and the confidence you need to face them.

Thanks everyone
Last edited by moneyclown on Sat Sep 01, 2007 3:45 pm, edited 1 time in total.
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Adam Davies

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Post by Adam Davies » Thu Aug 30, 2007 1:02 pm
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Hi
Well done to you and Melanie
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Andam Davies
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mikebdomain

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Post by mikebdomain » Thu Aug 30, 2007 1:04 pm
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second that - wish you all the best for the rest of your IVA hope it all runs smoothly.

FREE ADVICE IS THE BEST ADVICE

Mortgage Broker
Specialising in adverse credit.

See feedback and testimonials at: http://www.leybridge.com/testimonial.php
LEYBRIDGE LIMITED
Mortgage Broker & Mortgage packager
Directly Authorised Firm FSA No:313790
CeMAP 1,2 & 3 qualified
F.P.C 1,2 & 3 qualified
Financial Planning Certificate
Certificate in Regulated Customer Care
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Oliver

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Post by Oliver » Thu Aug 30, 2007 1:05 pm
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Congratulations and all the best with everything in the future.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp
Best Regards
Oliver
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iva_squirrel

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Post by iva_squirrel » Thu Aug 30, 2007 1:11 pm
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Congratulations moneyclown,

Well done! All the best for the rest of your IVA.


Regards,
Michelle P.
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aguise

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Post by aguise » Thu Aug 30, 2007 3:34 pm
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Hi moneyclown and well done. All the best.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/
Please visit my blog at http://aguise.blogs.iva.co.uk/
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CoverItAll

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Post by CoverItAll » Thu Aug 30, 2007 4:20 pm
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Congratulations moneyclown. Well done.

John Tegg
www.asu4iva.co.uk
0845 673 9999

We will make all your IVA payments for you if Accident or Sickness stops you paying them yourself.
John Tegg
john.tegg@dms4asu.co.uk
http://www.paymentcover.co.uk
STANDARD TERMS for Forum Members for Home Insurance, Self Employed Tradesman's Public Liability, and Short Term Income Protection.
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BlueShoes

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Post by BlueShoes » Thu Aug 30, 2007 10:04 pm
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Great news!
It is such a relief isn't it?
Blue
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redhead

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Post by redhead » Thu Aug 30, 2007 10:22 pm
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Brilliant News Moneyclown - All the best for the future...

IVA now finished - Been a long old journey - I have learnt my lesson Im now DEBT free and it feels good!!!!
IVA now finished - Been a long old journey - I have learnt my lesson Im now DEBT free and it feels good!!!!
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sonyse2t5

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Post by sonyse2t5 » Fri Aug 31, 2007 2:48 pm
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Great news....
I am not surprised with MBNA they hardly vote Yes these days.But Egg's response now that's strange they didn't vote.

Lenders are are completely unpredictable....IP have to double guess them - organised chaos
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iva experts

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Post by iva experts » Fri Aug 31, 2007 3:01 pm
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Congratulations Moneyclown, Im sure the light at the end of the tunnel is getting brighter and brighter.

Best Regards. IVA Experts
Best Regards,
Michelle Pontes
IVA Experts
http://www.iva-experts.co.uk/
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sps

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Post by sps » Fri Aug 31, 2007 4:20 pm
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Congratulations and the best of luck for your future
Sue
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Soulgrowth

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Post by Soulgrowth » Fri Aug 31, 2007 10:13 pm
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Many congratulations [:)]

Debbie
Debbie
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BrassicLintus

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Post by BrassicLintus » Sat Sep 01, 2007 9:52 am
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Great News MoneyClown - all the best. x
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Skippy

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Post by Skippy » Sat Sep 01, 2007 1:57 pm
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That's really good news!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/
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