And so it begins

judojub

Hi Isis.
It is all such a worry. The phone calls and letters are now coming in thick and fast for us too. I had 3 phonecalls today asking to speak to my OH. I asked who was calling and they just hung up on me!!!! How rude!!!
We have received our proposals just today and are going to read them over and over until we are sure we know where we stand. Creditors accepting our offer is also our main worry right now but what will be will be I guess. I just have to keep faith in our IP and remain reassured that they would not go through the hassle if they didn't think it was viable. I am a complete newbie but I would be surprised if they expected you to cut down on uni costs. Focus on your studies, think of your future. It will all come together eventually.
Keep your chin up and focus on those exams. You will be just fine!! No resits for you!!

katiemay_2

It is a horribly stressful and emotional time but I can't even tell you the sense of relief and elation you will feel when it is agreed. I don;t know who you chose to go with but CCCS have a 95% success rate so just bear in mind that the creditors would rather get an agreement for you to pay something, rather than nothing - which is what they would prob get if they refused it. CCCS sounded so surprised when I was thanking them over and over once it was agreed - like why had I ever even questioned it in the first place??!!!! Was funny looking back on it. If you go with a reputable company they don't even take your case unless they are sure of a positive outcome.

Isis_Black

we are with Grant Thornton who was provided to us through the CAB they have been fab up to now! fingers crossed they stay that way lol

they called the other day to let me know they have received all the stuff we sent and have been going through it, jsut missing letters for my parents and husbands mum about us giving them money for child care, so as soon as they have received them then all is underway!

they did only question my petrol costs are a little high as they have a certain amount they will allow, but i am on 24 miles a day 5 days a week!! so not gonna be cheap or low!

everyday had a call from lloyds asking to talk to hubby, yesterday i called him from upstairs and as soon as he got to the phone they had hung up!! they of course rang again today and hubby was finally able to give GT number and reference code! at least his credit card lot will leave us alone! jsut my credit card, our loan and the other credit card to call now lol

oh i will be glad when its sorted!

FavDaughter1

Hi isis,i've seen lot's of positive pots for Grant Thornton so i'm sure you'll be fine. amazing feeling to know things are moving forward as well as rather daunting!

you'll get there!

katiemay_2

Well petrol costs are only ever gonna get higher so stand firm on that one!

Isis_Black

will try with the petrol thats for sure lol

yeah found GT really great up to now! even got a courtously email today from somenoe saying if we have any worries or feel we are not getting the custommer service we think we should be getting then we jsut email him direct!
well sent the letters from our parents off yesterday so they should have got them today, so unless there is anything else wrong then they should be getting the draft letter sorted.
Lloyds TSB are our biggest creditors so hoping they will be nice and accept with no major problems
but yeah it is nicew to get things underway :T

Isis_Black

well we are jsut awaiting the draft letter as they should now have all the info they require! jsut wondering how long the draft will take to get to us??!

well not paying the bills has been fab lol we have managed to get out for our eldests birthday took them to birmingham
the next birthday is next week and we have 2 kitten on the way as we promised all our kids that they could have a pet when they turn 10 (youngest is getting hers a little early on the promise she doesnt aske for one when she turns 10 lol)
but we have enough money to get all cats vaccinated, neutered and spayed and still leaves us some spare which is great, jsut need to get the IVA payments underway so we can fully organise our outgoings!
Though i get a very sneeky feeling we may have to request a change of payment amount in a few months depending on if i pass my exam resits! if i dont i have to sit the year out (so no student finance) and resit exams once more next year then if i pass i start year 2 october next year! but we shall see how things go! best not put myself down yet as i may jsut get through it ok i hope :-s

foreverautumn

A fellow Forever Autumn by Justin Hayward, and War of The Worlds Fan. LOL

Isis_Black

foreverautumn wrote: »

A fellow Forever Autumn by Justin Hayward, and War of The Worlds Fan. LOL

hahaha oh hell yeah! best songf ever and he is fab singing it, and to have seen him live in the show 3 times singing it has jsut been fantastic :T:j
this IVA will put a spanner in the works to go see the show again though

foreverautumn

Isis_Black wrote: »

hahaha oh hell yeah! best songf ever and he is fab singing it, and to have seen him live in the show 3 times singing it has jsut been fantastic :T:j
this IVA will put a spanner in the works to go see the show again though

Never had the pleasure, but is my favourite song. Hence the name. Also love listening to War Of The Worlds. Have vinyl and now cd. Lol