You're doing well Denise, you're moving forward at your own pace, be proud of what you've done so far. With Melanie onside you should be fine. Melanie was my IP and I personally never had a problem with any of the service received.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I do already have so much trust in Melanie and her team, and I know from your posts and others, that they will look after me. I just feel so fragile at present and worrying about the unknown. I know that there is no easy answer, or that i am going to wake up and all of this is going to be sorted, but i just keep visualising the IVA being approved and me starting to make my monthly payments and not having this stress and anxiety. I also need some advice from someone regarding my job. I did contact my HR dept but they were very vauge. I work in the NHS as a manager, and whilst i am not a budget holder, i do have responsibilities for signing off invoices, purchasing equipment etc. I have worked there for so long, over 27 years, i cant find out where my contract is now. Am just worried that this will have an effect on my application or my job. I know that there is a lady who posts on here who works in HR i think? My job isn't in the financial part or payroll or anything like that. I am primarily dealing with patients and staff?
Thank you Leslie, i would really appreciate that. As Melanie said last night, i just need to put all the obstacles in front of me, and pick them off one by one xx
Hi
Hope you're feeling a bit stronger. Hope this reassures you but I too work in a senior management position in the NHS and undertook this role whilst in the process of applying for and being accepted for an IVA. It's has never been an issue and I too sign off purchase orders etc. I too was very anxious about the whole IVA situation and its impact on me and my role, I used Michael People's from McCambridge Duffy who is one of the nicest, reassuring and honest people I met whilst on this journey. I am sure that everything will work out , it did for me and if you any advice please let me know xx
HI thank you Harrimav, that is very reassuring to hear for me, and thank you for sharing with me.
I spoke to Tina today and as everyone has said on here, she was really lovely, very supportive and very positive about my application. I found her really easy to talk to and didn't feel judged etc.
But there are always buts with me - I do know that this is probably the only option now I have available to me, and I know I am saying what all of you have felt or may be currently feeling - that my IVA may be rejected. I haven't had very good luck up until now, and I know that Tina, Melanie and the team would not put something forward unless they thought it would be approved, but, I just have this feeling in the knot of my stomach that despite all that, the one creditor who has the majority vote, Halifax, will say no. They would be getting a fairly good return - 58p in the pound I think. Also I have to get some valuations organised, I am convinced my house is going to be valued higher than I think it is. I have emailed Tina with more questions that I forgot to ask her, and I feel so bad at clogging up her in box, so just wanted to put it on here too. I am so sorry for continually going on, but I just want to knock down a few more hurdles. The not paying the creditors just completely terrifies me.
Denise, so glad you've spoken to Tina and I'm sure she won't mind answering any further questions that you have emailed her. 58p in the £ is a good return indeed. I know it's easy for me and you will anyway but try not to worry, we have all been there honest. I remember the feeing very well. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
thank you Lesley. I did speak to my mum after I spoke to Tina, and she just wants me to get on with things, but she is still very worried about the house and I can see she is troubled. I hate myself for putting her through this, although it shouldn't impact on her at all. I just could scream with frustration and anger at myself for my stupidity and for after all these years, potentially putting her in a vunerable position possibly. My main aim is to protect my mum, If I have to live on jam and bread for the next five/six years, so be it. I just have to make sure she is ok. I just want these feelings of nerves and anxiety to just go away and try to get a good nights sleep for once without waking up in the night and feeling the walls close in on me.
Hi, sorry for not being able to post sooner ( working away a lot and theres not always wi if).
From what I've read, there will be no issues with your employment and being in an IVA. You only have to tell your employers if it clearly states this in your T&c's. even then, they would have to prove you are a risk to the business., which you are clearly not.
If you need any further advice, please ask.
I am doing IVAs for a lot of people who work in the NHS, from auxiliary nurses and admin staff, right up to senior consultants, and none of them so far as I am aware have had any difficulties with regard to their ongoing employment. Glad the meeting with Tina went well, and I will be reviewing your case this evening with a view to getting started. The sooner we start now, the sooner we will have an outcome for you.
Glad you feel better after getting that off your chest. I had to tell my wife and that for me was the worst part. Although, she stood by me I was in the dog house for 6 months.
I was a real bottler up of issues but since telling my wife (and the forum) I really do believe in a problem shared...
The thought of a mole in the dog house has made me giggle, only because my two Jack Russells go made at the mere sniff of a mole in our garden. Sorry mole - please excuse my awful sense of humour - it's been a long day!
