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Posted: Wed Feb 27, 2013 2:35 pm
by Charlygirl
Hi All,

My meeting was at 10:30am. I had a call from Tom (Mel's) team at around 11:00am to say that there was good news my proposal had been accepted, but with one modification which was an increase in payments from £210 to £245. I was expecting this as my tv package was slightly higher, than guidelines.

The relief is wonderful, I now can look forward to be debt free in 5 years time, and plan for a better future for my son and myself. I’ll be 38 when it completes, and plan to start saving for my 40th then#61514;!!!

Thank you to everyone on the forum who has been great especially support wise, Thank you to Tina for speaking with me in December before Christmas, Thank you for Marc and Amie for their help in answering my questions and dealing with my creditor queries. Thank you to Mel for the support on the forum, thank you to Sue for compiling my proposal and getting it accepted, I look forward to a smooth 5 years with you as my IP and thank you to Tom for chairing the meeting and delivering the good news (he does have a lovely accent). I must say thank you to vincent bond also, as i spoke to them and they sent my paper work to Mel's team. I think that is all the Thank you’s.

The last few month ‘s have been stressful, especially as not everyone (family and friends) knows what I am doing. But I’m glad I can now move forward. My only regret would be in that I should have done this sooner rather than pay CCCS first then Pay plan collectively for 6 years. I could have been positing a different post today. But hey ho, we live and learn.

I hope I can be help to others on the forum and look forward to sharing my journey with you all.

Just 1 last thank you. Thank you again everyone for the best wishes over the last few days…..It is so appreciated.

Kind regards
Charlene xx

Posted: Wed Feb 27, 2013 2:47 pm
by Lisa.53
Fabulous news and wish you all the best on your journey to being debt free! I just hope I am able to post such good news in the future, I am also with Mel and her team and it is lovely to see posts like this, I know that if I am not succesful in having an IVA accepted it won't be through lack of effort from them judging by all the wonderful posts about them! can't express how grateful I am to have found this forum that led me to all the advice, lovely people and Mel's team, its wonderful!

Good luck Charlygirl - I will hopefully be able to save for my 40th Birthday if I can enter an IVA!

Posted: Wed Feb 27, 2013 3:11 pm
by Shining
Wow Charlene a great result and I hope your journey to debt freedom is a very smooth one.

Posted: Wed Feb 27, 2013 3:14 pm
by harrysmummy78
Well done really pleased for you Charlene - what a massive relief for you.. so HAPPY for you!! have a nice relaxing evening now. :) xx

Posted: Wed Feb 27, 2013 3:23 pm
by Charlygirl
Thank you!!

I will Harrysmummy!! My son is at cubs this evening so he may get an extra £1 for tuck!! Lol....
Think I can stretch to a fish and chips supper even!!

Thanks Lesley!!!

Lisa, I really do think your fine...but I understand how your feeling. I was convinced that I would be rejected!!

Posted: Wed Feb 27, 2013 3:30 pm
by GilliB
Hi Charlygirl. Super-pleased for you!! I always lol when I read about 'the tv package issue'. They seem to forget that we can't afford any other entertainment than to sit in and watch tv!! It must be great knowing there's a more positive financial future within reach for you and your son

Posted: Wed Feb 27, 2013 3:30 pm
by luluj
Really great news - congratulations ! Enjoy those fish and chips x

Posted: Wed Feb 27, 2013 4:01 pm
by pennieless
im really pleased for you aswell charlygirl,i can smell the fish n chips lol.

Posted: Wed Feb 27, 2013 4:05 pm
by debt tired
Fantastic news Charlene, I can imagine your relief. Enjoy your celebration!

Posted: Wed Feb 27, 2013 4:07 pm
by dlovesg
Fantastic news, wondered what happened to you with not seeing anything on here sooner but then my internets been playing up, wishing you all the best on your debt free journey xx congrats x

Posted: Wed Feb 27, 2013 5:01 pm
by Foggy
Great news Charlene -- here's to a smooth journey to debt freedom :-)

Posted: Wed Feb 27, 2013 5:03 pm
by Kelly.23
Great news, hope all goes smoothly

Posted: Wed Feb 27, 2013 5:04 pm
by lin.r
Glad to hear good news Charlene.best of luck for your future!!

Posted: Wed Feb 27, 2013 5:25 pm
by Robbieboy
comgratulations xx

Posted: Wed Feb 27, 2013 7:00 pm
by UnionCityGirl
Great news! I too wish I had done it sooner, but you live and learn like you said :)
I'll be debt free at 50 - seems ages but it will come soon.