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Posted: Mon Mar 10, 2008 11:35 am
by kal
........Accepted!!!!
They have to go through all the modifications, to check there are no conflicting ones, but they have told me that over 75% accepted (Northern Rock have, and they had nearly 21% alone).
I must have asked her about 5 times if it was all ok and we were definately accepted - poor woman!
So i suppose I can celebrate, feels kinds odd - all this worry now...does it just fade away!
x
I did post this before, but it disappeared - must have been the excitement, I hit the wrong key!!!
Posted: Mon Mar 10, 2008 11:39 am
by Adam Davies
Hi
Excellent news and proof that NR are relaxing their previously,alleged,near zero tolerance towards proposals
Regards
Posted: Mon Mar 10, 2008 11:41 am
by MelanieGiles
Kal
Is the Northern Rock debt a Together loan or ordinary unsecured loan, and if the latter were you required to extend your IVA to six years?
Posted: Mon Mar 10, 2008 11:47 am
by kal
It is a together mortgage we have, but an unsecured loan (not sure if it together or not).
They have not mentioned anything about extending to 6 yrs.
Fuuny you should say that as I had modifications from KPMG and they mentioned 72 months and I thought it had been extended, but McC D, say no it is only to go no further that that if we have to extend, arrears etc.
At the moment I am still paying NR, as the load payment is lumped in with my mortgage, so i said to my IP that we need to sort that out - I presume I will just tell them to take that off...anyone know?
k.
Posted: Mon Mar 10, 2008 12:20 pm
by MelanieGiles
That makes sense - and I am sure that if they held more than 25% of the votes you probably would have been asked to extend to 6 years.
Posted: Mon Mar 10, 2008 12:22 pm
by chris.g
Excellent news Kal, xx
Posted: Mon Mar 10, 2008 12:35 pm
by debbiw
Oh Kal, I told you it would be fine. I'm so pleased for you, well done, and yes, all the worry does go away now x x x
Posted: Mon Mar 10, 2008 2:12 pm
by aguise
Hi Kal congratulations, well done. It does feel a bit I remember feeling sort of strange unable to believe it was settled. Great news though.
Ang
Posted: Mon Mar 10, 2008 2:18 pm
by sjw
well done.nice to see another success x
Posted: Mon Mar 10, 2008 4:20 pm
by HuskyLou
Great news![:D] Mine was accepted just a month ago and its still sinking in now.
Posted: Mon Mar 10, 2008 4:48 pm
by kal
Thanks all very much.
Funny as this time yesterday I was so worried and wondering how I would feel today with the build up to the meeting etc.
Now here I am, many hours after the meeting, thinking how quickly today has gone by, and that the right result has happened for me.
I couldn't bear to imagine what i would have done, had it gone the other way.
My phone is now back off going straight to answer phone and I can now not have that feeling of dread each time I hear it ring (probably won't ring at all now!!!!).
k.
Posted: Mon Mar 10, 2008 4:52 pm
by ray_a
Well done Kal
Good luck and keep in touch on how you are getting on!
Posted: Mon Mar 10, 2008 5:23 pm
by emma_t
Great news Kal[:)]
I can remember the feeling well and it does feel strange after all the worry and stress it comes down to a phone call, it wil settle with time..Emma x
Posted: Mon Mar 10, 2008 5:57 pm
by buttercup
Congratulations Kal
Posted: Mon Mar 10, 2008 6:12 pm
by angela18
Good news Kal, and its my sisters birthday today must have been a good sign