judo

judojub

FavDaughter1 wrote: »

HEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

what brilliant news for you both:beer:&:j&:T. are you a bit stunned? it might take a little time to sink in,we spend so long waiting,all the anxiety,the dreadful stress, suddenly the meeting is over .

the most happy,pleased "i told you so",ha!;)

treat yourselves,a bottle of wine maybe a take away. you're on the road now,light is at then end of that tunnel.

so pleased,enjoy the elation x

Thank you so much Fav!!! Your words of encouragement are a breath of fresh air. You also read my mind. Wine and takeaway tonight then knuckle down to business tomorrow! I hope all is ok with you and thanks again!

judojub

foreverautumn wrote: »

Well done Judo, you can breathe again now. On the road to being debt free now. Congratulations and enjoy your evening.

Thank you!! You guys are fandabbydozy!! I am soooooo glad I found these forums. It hasn't been easy as it isn't for anybody in our position but there is light and always an answer!:o

judojub

FoggyBrain wrote: »

Told you so :-) As Charco says, it's just the start of the road -- but the journey will be far easier now. You can at least now relax and gather your forces.

Yes Foggy. I am just on a high at the moment. My OHs facial expression hasn't changed much at all! LOL. He really needs to get in touch with his feminine side:rotfl:

This is another chance for us. Credit is now my enemy for life! x

FoggyBrain_2

judojub wrote: »

Yes Foggy. I am just on a high at the moment. My OHs facial expression hasn't changed much at all! LOL. He really needs to get in touch with his feminine side:rotfl:

This is another chance for us. Credit is now my enemy for life! x

LOL -- He's probably still in shock !!! Is it sort of like this

judojub

FoggyBrain wrote: »

LOL -- He's probably still in shock !!! Is it sort of like this

Hahaha. It was this:( then it was this:cool: and now it is this:o.

I do wish he wasn't such a 'man' about everything! x

debtfree2016

Hey Judo...... Fandabbbyyyydoozzzzyyyy
Excellent news, you have manganged to climb over the wall and now the long and windy road to freedom.... great stuff... i have my telephone meeting tomorrow evening to talk through my details...

Charco_2

judojub wrote: »

Hi Charco.
The inheritance thing I guess is really down to my OH. I have spoken to him about it but ultimately I guess it would be down to him to sort out. Too late now anyway I guess as its just been approved and to be honest if we weren't in the IVA and got an inheritance it would all have gone towards debt anyway!! Bitter sweet pill to swallow I suppose.
I am thrilled at the minute but I am quite sure the reality will soon set in. This will be no easy road I am quite sure but I am going to give it my best shot!
Charco. Your advice on here is invaluable along with others and I do thank you:)

NoooooOOOOOOOOOOOOOOooooooooooooooooooooooooooooo! (sorry for being overly dramatic )

It's not too late. It will be too late if someone dies and you inherit the farm. As long as the property still belongs to someone else it's theirs to with as they please - if they change their will now it will have no affect on your IVA... your IVA was not approved pending the possible passing of a loved one (I know i seem obsessed - and/or perhaps morbidly so - but this, i hope, will be my last words on the matter and then it's up to you.)

Instead of you possibly inheriting and then having to give it all to the IVA, would it not be better if you dealt with it now and then at least someone you know could benefit from the inheritance. Even if it means your husband's brother gets everything, surely that is better than Northern Rock or Capital One (or whoever) getting a single penny of a loved one's wordly goods?

As I said, there are ways around it. Ask for any possible inheritance to be put in someone else's name - even your own kids names! Or a trusted brother or sister's name. You can have it transferred back when you're no-longer required to hand it all over to the IP or the banks.

yorkieone

Well done Judojob, sooo happy for you!!!

My meeting is on Monday, yikes I'm keeping my fingers crossed

judojub

Thanks Yorkie.
It was a huge relief I can tell ya! I hadn't forgotten about you. I was going to come on and bump your thread over the weekend! What time is your meeting?
You will be absolutely fine I am sure of it. Best of luck and please post as soon as you know. I will be watching!!