Posted: Mon Jul 08, 2013 7:10 am
Sorry this is late in being posted...my partner and I had our IVA's approved on Friday, mine at 8p in the £ and his at 25p. [:D]
Im still quite numb about it if that makes sense? Nothing feels like its changed. I honestly never thought that they would have gone for it being so low. Some of my creditors wanted an extension of a year due to the low dividend but that has been overturned.
We kept ourselves busy on Friday by decorating waiting for that phone call. Anyone thats considering doing this dont hesitate. My first contact with anyone was in March and it has been a very easy process. I went with Melanie Giles company and everyone who I have dealt with there has been amazing, very patient and best of all non judgemental to your situation. Cant recommend them enough.
We are actually looking forward to our new way of budgeting, its going to be interesting and im sure we will have ups and downs but its not forever. May even try and do a blog to keep me going! Best advice I saw on here was to think of it as a 5year loan, I have made a chart for the fridge where we will tick each month as we go along.
Im still quite numb about it if that makes sense? Nothing feels like its changed. I honestly never thought that they would have gone for it being so low. Some of my creditors wanted an extension of a year due to the low dividend but that has been overturned.
We kept ourselves busy on Friday by decorating waiting for that phone call. Anyone thats considering doing this dont hesitate. My first contact with anyone was in March and it has been a very easy process. I went with Melanie Giles company and everyone who I have dealt with there has been amazing, very patient and best of all non judgemental to your situation. Cant recommend them enough.
We are actually looking forward to our new way of budgeting, its going to be interesting and im sure we will have ups and downs but its not forever. May even try and do a blog to keep me going! Best advice I saw on here was to think of it as a 5year loan, I have made a chart for the fridge where we will tick each month as we go along.