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Posted: Fri Aug 19, 2016 8:49 am
by Ant3101
Well got the msg from credit fix that my creditors have accepted my IVA proposal just need to wait till I get home from Holland (beautiful weather) to see what their revised terms are (apparently just admin related) wish me luck on my journey ppl
Posted: Fri Aug 19, 2016 8:51 am
by kallis3
Fantastic news Ant - good luck with it.
Posted: Fri Aug 19, 2016 9:23 am
by Foggy
Great news Ant. Creditors often propose changes to the fee structure and dividend payout timetable --- hopefully nothing too drastic from your point of view. Enjoy the rest of the break.
Posted: Fri Aug 19, 2016 12:50 pm
by Ant3101
Thank you for your support guys I'll keep you all updated as I get my life back together
Posted: Fri Aug 19, 2016 3:16 pm
by MG12
Good luck Ant3101!!!!
I remember the feeling of being accepted, it felt like a weight had been lifted.
Posted: Sat Aug 20, 2016 3:59 pm
by Michael Peoples
Nice result Ant and I hope you had a great holiday.
Posted: Sun Aug 21, 2016 8:47 am
by luluj
Thats great news ... hopefully not too many amendments. Enjoy your time away x
Posted: Tue Aug 23, 2016 9:32 am
by Ant3101
Well things are looking ok had 1 creditor letter from mbna accepting I have an issue and closed my account, Halifax have closed my credit account and joint bank account so Mrs bit miffed now she has to open a new account (ooops) just waiting for revised terms and letters from other creditors if they are that nice.
Posted: Tue Aug 23, 2016 9:43 am
by Ant3101
My only concern now is that 1 of my other creditors is barclaycard and that's who I'm using for my new account as had it with them for years and just swapped my direct debits over to them but could they possibly close my current account along with my credit card account like Halifax did???
Posted: Tue Aug 23, 2016 9:47 am
by kallis3
Halifax did that with me - so embarrassing when I went to close the account myself to be told that had taken out £34 against a £20k debt!!!
Myself and my husband bank with Barclays and I had a credit card with them although they weren't one of his creditors. We kept our account with no problem. Your credit card account will obviously be closed down.
Posted: Tue Aug 23, 2016 9:54 am
by Ant3101
I didn't think the joint account would of been included tho as it is only myself in the iva not both of us I just hope barclays don't do the same might go pop in and see them.
Posted: Tue Aug 23, 2016 9:57 am
by kallis3
Did you have an overdraft with Barclays? If not then I can't there being a problem.
Posted: Tue Aug 23, 2016 10:03 am
by Ant3101
There is an overdraft available but I'm not into it thank God unlike halifax
Posted: Tue Aug 23, 2016 10:07 am
by kallis3
That should be ok then - just ask them to remove it.
Posted: Tue Aug 23, 2016 10:11 am
by Ant3101
Thanks for that kallis I shall go down after my brekkie still can't believe it's all real and mine and my family's life will be hard but fingers crossed we'll get through the nxt 6 yrs and be free