Posted: Mon Feb 05, 2007 7:14 pm
Hi everyone - brilliant news - our IVA's have been approved today after 2 adjournments. I've posted this in this section as I suspect more people will see it here and hopefully will help those of you still in the waiting game. In my last post I said we had been adjourned again as Northern Rock had voted no but they said that they had only received my husband's proposal and not mine (not sure any of us accepted that but never mind). They have since voted yes with some modifications.
There is no doubt at all in our minds that we would have never got through this had if not been for our IP who most of you know - Melanie Giles. We were introduced to her by Douglas Prior at Thomas Charles who was wonderful with me at the outset when I was in such a state of panic and desperation having been served with the statutory demand. I did speak to other companies but felt most reassured by Douglas and stuck with him. Aside from his tremendous help I will always be grateful to him for introducing us to Melanie. She has been fantastic throughout this. I travelled to see her in Cardiff and she was so helpful and explained everything so clearly and has never once made me feel stupid or guilty.
She has always been at the end of the phone and email for us - she has had to cope with a lot of that I can tell you, particulalry over these last 2 weeks! She always replied and was always reassuring. Melanie even finalised our proposals on New Years Day in the face of a threat to enforce the stat demand by one of my creditors. I have no doubt whatsoever that we would never have go through this if she hadn't been our IP. There have been some really sad stories on this forum about IP's but I reckon we found the best. Easy to say I know in the aftermath of an acceptance but having been through this process I feel more than comfortable in saying that as Melanie and her staff have fought tooth and nail to get this through in the face of many harsh creditors - I think we owed nearly everyone you could - about 30 odd of them in excess of £230k in total. Never mentioned that before as it made me feel sick. Long story behind it but no need to go it no that now otherwise you'll be here all night!
Been a strange time - I feel like a total weight has been lifted and thanks to Melanie we have our lives back - something I never thought possible in the face of some really dark days. I have had the most wonderful time tonight with a glass of wine (and several more by the end of the night I suspect!) setting fire to the statutory demand and default notices - very cathartic! Each case is very different I know that now and I'll let you have more info about who voted what when I know but I think the most important thing I have learnt is that what is right for one person and indeed what happens at their meeting can be totally different from another persons experience.
I would like to thank all of you for your support - it meant a lot and to any of you out there looking for an IP look no further than Melanie Giles - THANK YOU SO MUCH MELANIE!!! The next 5 years won't be easy but they will be a hell of a lot easier than what the last 5 or so have been trying to stay afloat.
There is no doubt at all in our minds that we would have never got through this had if not been for our IP who most of you know - Melanie Giles. We were introduced to her by Douglas Prior at Thomas Charles who was wonderful with me at the outset when I was in such a state of panic and desperation having been served with the statutory demand. I did speak to other companies but felt most reassured by Douglas and stuck with him. Aside from his tremendous help I will always be grateful to him for introducing us to Melanie. She has been fantastic throughout this. I travelled to see her in Cardiff and she was so helpful and explained everything so clearly and has never once made me feel stupid or guilty.
She has always been at the end of the phone and email for us - she has had to cope with a lot of that I can tell you, particulalry over these last 2 weeks! She always replied and was always reassuring. Melanie even finalised our proposals on New Years Day in the face of a threat to enforce the stat demand by one of my creditors. I have no doubt whatsoever that we would never have go through this if she hadn't been our IP. There have been some really sad stories on this forum about IP's but I reckon we found the best. Easy to say I know in the aftermath of an acceptance but having been through this process I feel more than comfortable in saying that as Melanie and her staff have fought tooth and nail to get this through in the face of many harsh creditors - I think we owed nearly everyone you could - about 30 odd of them in excess of £230k in total. Never mentioned that before as it made me feel sick. Long story behind it but no need to go it no that now otherwise you'll be here all night!
Been a strange time - I feel like a total weight has been lifted and thanks to Melanie we have our lives back - something I never thought possible in the face of some really dark days. I have had the most wonderful time tonight with a glass of wine (and several more by the end of the night I suspect!) setting fire to the statutory demand and default notices - very cathartic! Each case is very different I know that now and I'll let you have more info about who voted what when I know but I think the most important thing I have learnt is that what is right for one person and indeed what happens at their meeting can be totally different from another persons experience.
I would like to thank all of you for your support - it meant a lot and to any of you out there looking for an IP look no further than Melanie Giles - THANK YOU SO MUCH MELANIE!!! The next 5 years won't be easy but they will be a hell of a lot easier than what the last 5 or so have been trying to stay afloat.