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orchid5

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Post by orchid5 » Thu Sep 24, 2009 8:07 pm
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Hi MP and welcome to the forum, I wish you all the best for tomorrow and hopefully your first weekend without the worry of debt on your mind. It seems Northern rock are really really awful with people even though they are trying to pay something back!
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
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country girl

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Post by country girl » Thu Sep 24, 2009 8:52 pm
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Hope it all goes well for you tomorrow.
Good Luck
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MelanieGiles

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Post by MelanieGiles » Thu Sep 24, 2009 11:41 pm
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We are just waiting for one or two details and hope to have an answer for you very shortly.
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Fri Sep 25, 2009 3:04 am
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Good luck for a positive outcome hopefully later today.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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pog1234

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Post by pog1234 » Fri Sep 25, 2009 7:21 pm
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am waiting for you post Mikepapa....how did you get on?
Gosh.....life is so much easier!
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mikepapa

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Post by mikepapa » Fri Sep 25, 2009 8:27 pm
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hi, still no news, it has been adjourned, will hopefully get a decision next week. Melanie is going to keep me poster on progress, i will of course let you all know the outcome, once i know, thanks again for your support.
Kind Regards, MP

IVA accepted 1st October 2009
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kallis3

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Post by kallis3 » Fri Sep 25, 2009 8:29 pm
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That's too bad MP.

I hope it is a positive outcome for you next week. Everything crossed. If anyone can do it, Mel and her team can.
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
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Julie

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Post by Julie » Fri Sep 25, 2009 8:30 pm
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I'm positive Melanie is doing her best for you Mike. xx
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MelanieGiles

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Post by MelanieGiles » Fri Sep 25, 2009 9:02 pm
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There are a lot of posts on the forum at the moment giving out details of progress to date and efforts being made by mine and other teams working on live cases.

Whilst it must be very frustrating to not have a defined answer on the day of the creditors meeting - when you have all worked so hard to get to that stage in the first place - we have to also respect the workloads of the banks who at the moment are dealing with a significant number of new IVA proposals and an alarmingly growing number of variations - commonly as a result of expenditures not being properly set in the first place.

We just need to exercise a little patience as the outcome of these issues unfolds, and be in a position to deal with creditor queries as they actually arise.
Regards, Melanie Giles, Insolvency Practitioner
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Skippy

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Post by Skippy » Fri Sep 25, 2009 9:05 pm
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Good luck Mike, I'm going away tomorrow but I'm sure I'll be reading good news when I get back x
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Julie

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Post by Julie » Fri Sep 25, 2009 9:13 pm
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Good point Melanie, it's very hard to think of the bank / creditors workload when you have worried so long over your personal debt issue. We forget IP's must get as frustrated as individuals - guess its a case of patience being a virtue.

Really hoping for a positive result for you Mike [;)]
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MelanieGiles

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Post by MelanieGiles » Sat Sep 26, 2009 12:04 am
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IPs spend a goodly part of their time being frustrated by creditors Julie - and this week has been no exception in my firm!!!
Regards, Melanie Giles, Insolvency Practitioner
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debs 2202

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Post by debs 2202 » Sat Sep 26, 2009 8:27 am
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Hi..just a quick question for Melanie..does your firm arrange dmp's? Thanks
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kallis3

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Post by kallis3 » Sat Sep 26, 2009 9:55 am
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Melanie's firm don't do DMP's Deb.

Is there any reason you can't do an IVA?
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
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MelanieGiles

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Post by MelanieGiles » Sat Sep 26, 2009 9:57 am
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Jan is correct Debs, we prefer to concentrate on the provision of formal insolvency solutions - personal and corporate.
Regards, Melanie Giles, Insolvency Practitioner
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