12 HOURS TO GO !

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moretolife

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Post by moretolife » Mon Dec 29, 2008 11:31 am
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hope all is going well and that you hear...SOON...
IVA completed 11th Dec 2009 due to a Full and Final with the fantastic help of Michael Peoples and
Mc Cambridge Duffy

Visit my blog...Journey from Debt to Life Post IVA
http://moretolife.blogs.iva.co.uk
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flumpy dog

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Post by flumpy dog » Mon Dec 29, 2008 11:40 am
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thanx mtl x
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amypops

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Post by amypops » Mon Dec 29, 2008 12:33 pm
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Keeping all crossed for you fergie!!!
We had ours this morning and it wasn't rejected as such but they want us to give more!!!
Not sure where we go from here really... Any advice anyone? We have offered a bit more but not sure we can manage on what's left.
Xx
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Lisa2009

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Post by Lisa2009 » Mon Dec 29, 2008 12:42 pm
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amy, its dangerous to agree to pay more than you can realistically afford. Has your IP tried to negotiate with your creditors for you?

Dont just jump into something you wont be able to maintain xxx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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Skippy

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Post by Skippy » Mon Dec 29, 2008 12:45 pm
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Amy, I agree with Mrs Skint. If you offer more than you can afford at the beginning then there is a chance your IVA will fail as 5 years is a very long time on a realistic budget, let alone when things are tight from day 1.
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kallis3

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Post by kallis3 » Mon Dec 29, 2008 1:08 pm
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I agree with Skippy and Mrs S. If you are worried about affording any extra now, you may not be able to sustain the payments which will mean your IVA will fail and you will be back to square one.

I think you need to speak to your IP.
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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amypops

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Post by amypops » Mon Dec 29, 2008 1:12 pm
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thanks for that all. Tom at Jones Giles is dealing with it all and he seems to think that we need to counter offer. I just dont know what to say!!
xx
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kallis3

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Post by kallis3 » Mon Dec 29, 2008 1:15 pm
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Have a chat and see what he recommends and then think about it and work things out. You don't have to accept on the day if you are not happy, you have 14 days.

This is probably one of the most important decisions you will make at the moment and you have to be sure that you can afford it. 5 years is a long time to be struggling.
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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amypops

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Post by amypops » Mon Dec 29, 2008 1:18 pm
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thanks hun! will wait and see what the next phone call brings
xx
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kallis3

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Post by kallis3 » Mon Dec 29, 2008 1:20 pm
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Fingers crossed that it goes your way. Let us know how you get on.
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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Lisa2009

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Post by Lisa2009 » Mon Dec 29, 2008 1:21 pm
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If anybody can sort this for you, its Mels team. Good luck, i hope it works out xxx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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debtmountain

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Post by debtmountain » Mon Dec 29, 2008 1:50 pm
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Good Luck Amy,hope you manage to get it all sorted..xx[:)]
IVA accepted 13/11/2008..17 payments down,55 to go..
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flumpy dog

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Post by flumpy dog » Mon Dec 29, 2008 4:59 pm
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amy hope youre sorted soon hun x
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