All Forums  New Questions  Success stories  I think we've got Early Discharge !! :-)

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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by Overspent[/i] [br]I say think, as we have not received anything in writing yet from the OR..but according to the insolvency website (which I check daily..sad I Know) when I checked on saturday it said we had both been discharged early on 1st Feb....how long til we get it in writing from the OR??? Relieved, happy are not the words..we've had this black cloud over us for the last few years following losing well paid jobs, our journey started in Dec 07 where we decided enough was enough and went to Melanie Giles of philip Gill and Jones Giles...who in July 08 secured our IVA (had the northern rock together mortgage that caused the delay)...unfortunately I was then made redundant for the 3rd time meaning we could no longer afford the IVA...Melanie and her team were fantastic throughout and eventually and unfortunately after securing another job on a lower salary, our IVA failed, leaving us know choice other than bankruptcy...the other Melanie, who works for Jones Giles and on here lots....again was fantastic and very helpful with us when looking at the bankruptcy route, giving us lots of help and guidance..it was invaluable melanie..thank you. We took the plunge and went Bankrupt 20 July 09..........it was no where near as bad as we thought for anyone still considering it. We tried to do the right thing with the IVA but it was not meant to be. We received the ED questionnaire at beginning of December which I quickly completed and returned. WE were very lucky enough to keep our house, and bought the BI which went through in November for a £1 each....so all in all we were bankrupt for just over 6 months. WE know we have been very lucky to get the early discharge but at the same time we have been through the mill with the IVA first as I know many of us have on here..........for the first time in a very long time there are no clouds hanging around us just sunny fluffy ones :-) I'm still pinching myself as I type. My husband said until we get it in writing he daren't celebrate or believe it is true. Good luck to everyone else...this forum and the IVA forum beforehand have been our strength, our support. Thank you to everyone who has ever given us advice and support over the last couple of years. With much love and appreciation Overspent xxxxx [/quote]   Check here to include your profile signature.