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Posted: Wed Dec 10, 2008 9:27 pm
by amypops
Hello there!
Thanks to the fantastic help of Melanie and her team, our creditors meeting has been scheduled for 29th Dec - am so very nervous!! Was just wondering if i could pick someone's brains for a bit - as mine seem to have gone to mush recently!! We have a together mortgage with NR - the JonesGiles team have been great in securing an accepted pre-proposal from them already - was just wondering how this would affect our mortgage payments if theIVA was accepted? Our friends had an IVA acceptedby NR, but are in arrears with the mortgage part as they stopped paying the unsecured bit. Sorry if my waffling makes no sense at all - think it must be the worry - cant seem to string a sentence together!!
xxx
Posted: Wed Dec 10, 2008 9:53 pm
by kallis3
Hi amypops and welcome.
Can't help you with your question I'm afraid, just wanted to wish you good luck for the 29th.
Posted: Wed Dec 10, 2008 10:16 pm
by amypops
thank you!!!
Am so nervous - just dont know what to expect!!
xx
Posted: Wed Dec 10, 2008 10:16 pm
by MelanieGiles
We ought to have advised you to continue paying the together loan until the date of the creditors meeting. This avoids NR allocating your mortgage payments in proportion against the unsecured element as well, technically leaving you with mortgage arrears on your record.
Give us a call if you require further clarification on this Amy.
Posted: Wed Dec 10, 2008 10:25 pm
by amypops
Thanks Melanie!
You did advise us to do this and we have kept up the payments - i perhaps have got the wrong end of the stick from our friends - was led to believe that this happened to them after the IVA was in place.
Thank you for your reassurace - will just keep on with my fingers crossed!
Many thanks
xx
Posted: Wed Dec 10, 2008 11:47 pm
by Viki.W
Hey amypops, just wanted to wish you luck for the 29th. I'll have my fingers crossed for you.
Posted: Wed Dec 10, 2008 11:50 pm
by freelili
Good luck for the 29th hun.
Posted: Thu Dec 11, 2008 12:04 am
by Lisa2009
Good luck from me too. Lets hope theres good news to bring the new year in with xxxx
Posted: Thu Dec 11, 2008 10:52 pm
by flumpy dog
good luck hun x
lets hope we both have success !
Posted: Fri Dec 12, 2008 10:39 am
by oscar
its going to be the start of a better year for you Im sure Melanie would not be proposing an iva if she was not pretty sure it was going to be accepted
BEST WISHES
Posted: Fri Dec 12, 2008 11:41 am
by buttercup
Hi Amy
Best of luck you are in good hands.
Kathy x
Posted: Sat Dec 13, 2008 11:07 am
by amypops
thank you all for your kind messages and support.
Will keep you posted!!!
xxx
Posted: Sat Dec 13, 2008 3:43 pm
by andrewgoodman121
[:)]
Good Luck Amypops, I have been in my IVA for nearly a year
and i think next year millions of people will be going down this route anyway.
Being in Debt isn't cool anymore.
11 DOWN 49 TO GO!!!
Posted: Sat Dec 13, 2008 5:17 pm
by Skippy
Good luck for 29th from me as well x