Creditors meetings were today and it was an almost unanimous yes to both of us!!!
I am still shaking with disbelief!! Only modifications were 6 years not 5 (NR but we expected that) and some minor other things but no change to proposed payment.
Still sinking in - feeling very odd about it all but extremely relieved.
To everyone else going through this and panicking - have faith, I was the worst doubter of them all and if I can do it, so can you.
Brilliant news Pap! I told you it would all be ok!
Enjoy the nice sunny day now!
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
I should have known Melanie it has you mark all over it. I have just read paps other post and for a minute I thought I had posted it as it was identical to everything I think and experienced with your company.
brilliant pap and well done melanie. Great result. Pity about the northern rock 6 year but still a result. Is the 6 year due to a low dividend offer or do nr do this to everyone. They have 33% of my debt.
Swardean - I think NR quite often ask for 6 years, we were offering 23p & 24p/£ and NR were joint so they would get 47p/£ but had a fair bit of the overall debt. At the end of the day the original term of the loan would have gone on a lot longer than the 6 years so we were happy to agree to it.
Brilliant news Pap,I'm so pleased for you and hubby[:D].,and well done to Melanie and her team too...Enjoy the rest of your day celebrating your fab news..xx
IVA accepted 13/11/2008..17 payments down,55 to go..
