SUCCESS WOOOHOOO

Finally,, had my IVA accepted today so so so so so happy.

Proposed 29pence in every pound, but with a few mods they accepted 31 pence in every pound, so about £425 a month starting from 1st March

Time to celebrate (wine in hand).

New Date

Got the date of my new creditors meeting,. it is on the 21st Feb at 15:00. It is the same proposal as sent last time but thats what was explained to me it was just arranged for another date so my creditors could have more time to respond to it.
I gave Julie, this is who I am in touch with at Thomas Charles, she assured me the delay from creditors was more than likely because it was just after Christmas when debts are higher so they probably had more cases to look at.
So new proposal is all signed and sent back, I would attend the creditors meetings but they are in Manchester so it is a tad far to travel just for a few minutes of meeting, but was told from beginning I do not have to attend as long as I am in touch by telephone which i always am.
One of my creditors has been ok, my old bank Nationwide, they actually listened and took notes on what I was doing which makes a change.
Just for those who not read rest of the blog, my proposal is offering 29p out of every £1 to my creditors, which from what I have read is about average.

New Proposal

I got my new proposal to my creditors today, so all that needs doing is signing that like the last one I did, and posting it back off to my IP, he told me he will arrange another creditors meeting for February, so fingers crossed, legs, and whatever else I can cross. Hoping for a better result this time round. Keep emailing me, I like responding to everyones emails, I do try and email everyone back, but I spend a lot of time, getting rid of adverts people put on my comments.

Sigh,.,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

Well today came and went, and yet again no creditors responded at all so my IP is going to re send another set or proposals out to them all, he says not to worry but of course you do its natural. Not got much to say because well as you can imagine I am bit depressed from all this taking so long. Ill let you know what happens. But my IP is very hopeful so I do not think he would not put proposal forward if he was not.

Another countdown to meeting.

Here we are again, counting down the hours to my creditors meeting, ill be glad when this is over and done with and I can relax. Meeting is on Thursday at 10am, so fingers crossed it will go better this time. Not much to report im afraid as, not had any phone calls from creditors so thats good in a way. But keeps your eyes on this blog because I will soon be at the end of my saga and tell you what happened.

New Date

I got through the date of next creditors meeting today, 18th jan at 10am.... so it will be another stressful day that day waiting for the call.
I got a letter saying the reason it was adjourned last time was to give creditors more time to consider my proposal.
Fingers crossed.

Update

Just a little update on situation. I spoke to my IP and he said its normal for it to get adjourned, specially just after xmas as they are busy and people still on holiday. So taken bit of pressure off me so im not stressing as much.
I will be off line for a few days as I am moving house this weekend so if you email me I wont be able to answer straight away.