it feels great tbh a breeath of fresh air i think..

there were a few complictaions but what they did was i think magnificent. and when tou actually see what the ip fees are against what they do -- i cant see how people can moan that they are too high.

yep i do think 2010 is going to be a good year

ive gotta say a massive thanks to mc cambridge duffy and all the staff there. my creditors meeting was on friday at which point it got adjourned due to couple not voting and 2 regecting the proposal. but they fought through thick and thin and at 4pm today got the vote we needed to get it approved ok...

ok this is a bit of a long winded one... me and my old buisness partner signed as guarentors for a supplier, they recently got a ccj against both of us to secure payment. now ,mine goes into the iva no problems there but we requested that they set aside the ccj against the other person as the debt i...

i leave the money in the bank ready for bill etc take the rest out and thats then shopping and life money

cheers all and lets hope so.. i must say thanks to mccambridge duffy in particular shane there who has done all the hard work for judy, as its been a lot less painless than i expected and a damm sight quicker than i thought and hes always been there when ive needed to ask a question, i couldnt of as...

seems to be a few of us simons . lol

ive spoke to most companies at least once as they have phoned and told them im going for an iva any calls after that ive just said that id already spoke to them and goodbye, most have been fine tbh .

i am hoping it will be a good xmas afterall. its only 13 days but it also seems like an eternity.

well it seems to be whizzing along ive had my date today of 17th december

fingers crossed time now

anmd ive had my 1st call of rma today seemed ok with it

im pretty much the same as you -- im worried that i wont get accepted and i keep thinking what will i do then.. but untill it happens theres not much i can do. so i just try to keep as positive as possible while waiting for the date of the creditors meeting

good luck for tomorrow...hopefully mine will be in a couple of weeks now..i wish my offer was that high

got 2 boys -- 8year age gap tho the eldest is 15,

ill have a look at the on line surveys ive always steered clear of them in the past as i thought they were just a way of getting loads of spam emails

thought that was the case and yep.. i will keep posting..just been and brought my eldests xmas present it felt good buying it cash ok its not as lavish as in the past but its brought and paid for..

hopefully in the future i can help and support others on here too

well i had my face to face yesterday evening with a rep for my iva company and my proposal has now gone back...tbh i cant belive how fast its all happening it feels like a lifetime of debt adn worry it been rounded up in a whirlwind it does feel good. as does the fact that even though its not a lot ...

cheers. tbh ive learnt loads by reading the posts on here over the last few weeks. and its helped me understand and make the right decisions i think well hope so anyhow. 6 weeks ago i thought i was going to lose everything including my self respect but now i feel that someone has put 50p in the mete...

i hope so michael -- i really want the iva over the br though so i do hope that its accepted... the dividend is low though 13p but in br it works out to 1p