Sandy’s Blog

Living on a budget

Hi all Well the first year of my IVA is nearly over. I cannot believe it was September last year when it was accepted. The time has gone really quickly. I am pleased to say that everything has gone really well. I have been making my payments on time and I am certainly feeling less […]

Three months into my IVA

With Christmas I have not had a chance to update my Blog here so I thought it was about time I let you know how I am getting on. So my IVA has been running for just over 3 months now and what a relief it is to say the least.  I made my first […]

My IVA has been accepted

Hi everyone Great news. My IVA proposal has been accepted! I cannot tell you how happy I am about this. I feel so relieved.  I know I was advised not worry about it not being accepted too much but I couldn’t help it. I did not have any creditors who refused my proposal. The really […]

Waiting for my Creditors Meeting

Hi. It’s only been a week or so since my last blog and a lot has happened. I got my home valuation. It was quite easy to do and the person who came round from the estate agents was great. I got the valuation through from them a couple of days later. It is a bit […]

I have spoken to my insolvency practitioner

Hi there. So after James’s advice I have opened a simple bank account with the Co-op. I have got a new debit card and most standard banking facilities but no overdraft which is fine. I have not had one since being in my DMP anyway. I was paying £10 a month for my managed account […]

I have decided to start an IVA

Hi again, So since my last blog I have spoken to James from Beat my Debt to find out if I could stop my DMP and should change to an IVA. I have to say he was very helpful and really helped put my mind at rest on some things.  Firstly, I was not even […]

Hi I am Sandy – My First Blog

Hi I am Sandy, I have decided to come into the 21st century and write a blog about my debt problems in the hope that it will help others and also me along the way. I am currently in a debt management plan and have been for just over a year now but I have […]