Hi Mel
Just wanted to let you know they have called me today and think it would work with me doing iva and oh doing debt management.
So will keep you posted
sharon
x

Hi Melanie
it was black horse and they say because loan was less then 12 months old
sharon
x

Well had a letter to say sorry it failed and if they owe any money it will be refunded
But i have asked if i can do 1 on my own and oh do a debt management waiting for someone to get back to me
x

Hi thankyou
just not sure i understand why mine failed as it was 100% even if oh didnt get the vote
x

Hi just to let you all know i had the chairmains report today for myself and husband.

Votes for me 100%
votes for oh 67%
and based on this neither went through still waiting to hear from ip on wether i can do 1 on my own.
fed up
sharon
xx

Hi melanie
sorry i have just looked at the paperwork again and it is a dividend of 29 pence in the pound and our paperwork both states the same.

The person i spoke to said she had to wait for the paperwork to be signed and then speak to my ip about it.
sharon
xxx

I have not actually spoken to my ip i think she is just someone dealing with mine.
I think the level was jointly 17p but not 100% on this
just feel im in limbo now wish i had gone with melanie
sharon
xx

Thanks Vicky

Im just really down today and hard to see a light at the end of the tunnel.
sharon
xxx

I am with debt free direct she said she will get back to me as soon as she has the paperwork back which will be next week now.
I just cant seem to stop crying today x

Hi Kallis
The thing that worries me is if a debt management is worked out for my husband there will not be enough money for an iva for me.
I think our dividend was 17p in the pound. although his debts are nothing compared to mine.
sharon xx

Thanks skippy
just been in floods of tears for 10 mins as i got to the end of my teather today. i am so worried
sharon xx

Hi
Sorry to bear bad news but our ivas have been rejected due to my husbands largest creditor rejecting his.
Therefore as on paper they were interlocking they have both been rejected.
i am now waiting to find out if i can do an iva and my husband a debt management plan
hope this helps
sharon xxx

Hi all
Well it was a no
i have now asked ip to look into doing an iva for me and debt management plan for hubby. what makes it worse was that that was the only rejection.
Praying now that doing it this way will work will let you all know thanks for the support
sharon
xxx

Hi
it actually was refinanced within the last 12 months so not sure if that still stands as a new loan.
Hoping that will change thier minds x

Hi
How long do you have to wait untill you try an iva again ????
sharon xx