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by timetofixit
Thu Apr 25, 2013 3:10 pm
Forum: Ask IVA Forum and Industry experts
Topic: dreading tomorrow!
Replies: 23
Views: 3645

You are in great hands - if they didnt think it would be accepted they wouldnt put it forward. So long as its your best offer you should be fine. All the very best.
by timetofixit
Thu Apr 11, 2013 1:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting
Replies: 15
Views: 2538

Good luck, I was very nervous as we where offering a pretty low return, around 96% of my votes where done by TIX who agreed - with a few minor modifications. Grant Thornton where the only ones to try and impose serious (and unrealistic) modifications - but as they only had 2.5% of the vote they wher...
by timetofixit
Fri Apr 05, 2013 3:04 pm
Forum: IVA approved!
Topic: Proposal Accepted
Replies: 40
Views: 11132

Thanks libertyfund, "only 2 to go" - well done, can only dream of that day. Hope all goes well and you get your cc quickly. good luck for your debt free future.
by timetofixit
Fri Apr 05, 2013 12:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: I am looking at taking out an IVA but I am so scared and at times suicidal about my position.
Replies: 152
Views: 18130

Denise, I buried my head in the sand for a long time, just made matters worse, the best thing I have done is emailed Mel's team, Tina called me back and got the ball rolling - I couldn't have asked for a more friendly, understanding, non-judgemental person to deal with. 8 weeks later my IVA has been...
by timetofixit
Thu Apr 04, 2013 8:26 pm
Forum: IVA approved!
Topic: Proposal Accepted
Replies: 40
Views: 11132

abbiesmum, I was watching your thread with interest, I really felt for you with the delays etc, think I would have been pulling my hair out. I was lucky just a couple of minor ammendments that Marc could deal with direct. Good luck with your journey, mine was approved same day as yours - lets hope w...
by timetofixit
Thu Apr 04, 2013 8:21 pm
Forum: IVA approved!
Topic: Proposal Accepted
Replies: 40
Views: 11132

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by flossom Congratulations! I hope my day will come soon and it seems like I made a good choice with Mels team too. I am sure you have made an excellent choice. It may not seem it now and easy to say with...
by timetofixit
Thu Apr 04, 2013 11:48 am
Forum: IVA approved!
Topic: Proposal Accepted
Replies: 40
Views: 11132

No problem at all Kelly, what a different Country this would be if every business offered your level of customer service.

Looking forward to working with you all over the next few years.
by timetofixit
Thu Apr 04, 2013 11:35 am
Forum: IVA approved!
Topic: Proposal Accepted
Replies: 40
Views: 11132

Thanks Rich - much appreciated.
by timetofixit
Thu Apr 04, 2013 11:19 am
Forum: IVA approved!
Topic: Proposal Accepted
Replies: 40
Views: 11132

I would just like to use this forum to offer a massive public thanks to Melanie, Marc, Tina & Amie of the IVA Advice Co for their help and assistance in getting my IVA proposal approved at a rate of 12p/£, despite their re-assurances I never thought the creditors would accept such a relatively low r...
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