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kallis3

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Post by kallis3 » Fri Oct 02, 2009 11:03 pm
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I can't believe it has been almost twelve months Chris!

If the OR has said your daughter won't be getting an IPA, then as soon as she is discharged after the twelve months, that is it. She cannot then be given an IPA and, apart from the BR remaining on her credit record for six years, she is free to do what she wants.
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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Ceedy

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Post by Ceedy » Sat Oct 03, 2009 3:17 pm
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Well word for word is :

Dear Miss **********

Thank you for the additional information about your expenses. I have now revised my
calculations and can confirm that you have insufficient disposable income to proceed
with an Income Payment Agreement.

Yours sincerely

********
Casework Manager

so will just wait til NOV and start afresh .

pheew!! ?

Chris

Take care all .
Last edited by Ceedy on Sat Oct 03, 2009 3:17 pm, edited 1 time in total.
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Skippy

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Post by Skippy » Sat Oct 03, 2009 3:28 pm
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That's good news Chris, I'm really pleased it's been sorted in your daughter's favour x
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Ceedy

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Post by Ceedy » Mon Nov 30, 2009 10:11 am
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Well, looks like we( she) is there .

As of 19th NOV.. its now well past the 12 months since the bankruptcy order.
Heard nothing more from the OR since the last notification of the NIL IPA.
Daughter has her life all in order now !!
So hopefully this may be my last Message..
Have a ( best as you can) Xmas & thanks to all those who replied to my scribblings.

take care all
Chris
Last edited by Ceedy on Mon Nov 30, 2009 10:11 am, edited 1 time in total.
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MelanieGiles

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Post by MelanieGiles » Mon Nov 30, 2009 10:13 am
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So glad it has all worked out for you and your daughter, and that you have found the forum to have been of great assistance in your journey.
Regards, Melanie Giles, Insolvency Practitioner
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Shining

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Post by Shining » Mon Nov 30, 2009 10:18 am
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all the best to you and your daughter from myself too.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Michael Peoples

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Post by Michael Peoples » Mon Nov 30, 2009 11:34 am
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Glad to see it all went well Chris and should give comfort to those others who are facing demands for IPAs that are completely unreasonable.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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kallis3

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Post by kallis3 » Mon Nov 30, 2009 1:15 pm
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Glad it all went ok in the end Chris - it's been a bit of a roller coaster ride but your daughter is sorted now and you can all move on.

I'd like to wish you and your family all the best for the future.
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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Ceedy

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Post by Ceedy » Tue Dec 15, 2009 3:17 pm
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Hi all,

Just found time to pop back , with all this
christmas thingummy wotzits going on.
Just found her record on the insolvency register "discharged On 19 November 2009", seems to have taken a short while to update. but there it is .
She learnt the hard way and its not going to happen again !!

take care all & have as good a time as you can!!.
byzzz Chris
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MelanieGiles

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Post by MelanieGiles » Tue Dec 15, 2009 6:03 pm
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That's great news and good closure for your daughter. I am very pleased for all of you.
Regards, Melanie Giles, Insolvency Practitioner
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Skippy

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Post by Skippy » Tue Dec 15, 2009 8:05 pm
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Excellent news Ceedy, I'm really pleased for you and your daughter x
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Shining

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Post by Shining » Tue Dec 15, 2009 9:59 pm
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I agree it's great news and I wish you and your daughter all the best x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Tue Dec 15, 2009 10:59 pm
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Excellent news! Don't forget to print it off so that she can send a copy to any creditors who have defaulted after the date of BR.
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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Ceedy

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Post by Ceedy » Mon Nov 29, 2010 2:07 pm
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Just popped back, a bit early .. to wish everyone a decent Xmas etc etc ..

So its a year on and we/She is now in full control of her finances, and training her new partner. LOL.

take care all

Chris
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kallis3

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Post by kallis3 » Mon Nov 29, 2010 5:38 pm
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Hi Ceedy, nice to see you again.

Hope you have a good one and glad your daughter is happily sorted. Can't believe it's been a year.
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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