Almost there with plucking up the courage

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mike.s

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Post by mike.s » Mon Oct 29, 2007 5:01 pm
Hi guys,
Finally got all my paperwork and accounts sorted and they are on their way to Melanie, just got to wait now and hope everythings ok. Things seem to be moving ok with the sale of the house and we're hoping for completion for end of November, but anything can happen between now and exchanging contracts so it's all a bit stressful. But everything is now in the lap of the Gods! A few weeks late on some of my payments now and the strange thing is the phone hasn't been ringing like it usually does at this time of the month, not sure if that's a good thing or not! Still terrified about answering that phone! My mind is everywhere at the moment, went to Tesco's today, packed my shopping bags, pushed the trolley to the car park, looked down at an empty trolley No Shopping!!! Frantic Confusion, where's it gone? Then hoped no one had noticed the plum pushing an empty trolley back into the store. What a plank I felt having to go back to the checkout and ask for my shopping cus I forgot it, muppet!!
Remember that phone I got for my son and really wanted him to keep it? It was on one of those deals where you claim your money back so at the end of the twelve months it has cost you nothing, sounds too good to be true. Well contacted the supplier today to see what happens about changing banks address etc, phone lines dead, website down, (can you guess where this is going?) Got in touch with Vodafone to see if they know what's happening and I was told that the company phonesontheweb.com aka dialamobile has gone into administration. Had to contact the administrator and register my details, so it looks like I wont be getting any of that cashbask. Does that make me a creditor? How ironic, Lol.
Speak again soon
Best wishes to all
Mike
P.S Just in case anyone thought I'd lost my mind on one of my last posts I was quoting Clint Eastwood from the Dirty Harry movie. It just sprang to mind when Catullus said it depends how lucky I feel. I haven't lost my mind just yet honest, almost, but not quite!
 
 

lily

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Post by lily » Mon Oct 29, 2007 5:17 pm
Good for you Mike, glad your taking the bull by the horns. Its a stressful time but stay focussed on the light at the end of the tunnel.

lily
lily
 
 

aguise

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Post by aguise » Mon Oct 29, 2007 5:56 pm
Hi Mike
Just wanted to say how pleased I am that you are feeling better. You will get there. Your posts have changed so much from the beginning. Now dont you feel daft for taking so long to make the call, I was the same, in the end my husband who gets completely tongue tied on the phone picked it up and did it himself, though I got passed the phone quite quickly. Keep going, Melanie I know will do her best for you.
All the best

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/
Please visit my blog at http://aguise.blogs.iva.co.uk/
 
 

mike.s

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Post by mike.s » Mon Oct 29, 2007 7:35 pm
Thanks guys,
Always nice to hear from you Lily, how are things with you?
You are so right Ang, really wish I had done this sooner. You don't realise how bad things are when you have your head firmly in the 'things will get better sand box' it's only when that stark realisation hits you firmly between the eyes that you see thing differently, then the panic really sets in and you just don't know which way to turn, thankfully I found this forum and you guys or I just don't know what I would have done. Obviously I don't use my cards now, my wallet feels very empty, but we are still managing, even got us a bottle of wine for tonight, ok it's only a bottle of Tesco's £2.79 own make, but I paid for it (had to go back for it and the rest of my shopping Dohhh) but it's paid for and I've made a big pan of chilli, which I think will last us a month. Just hope everything turns out ok, so desperate to put this all behind me now and get on with my life with my family and give my kids there dad back. Had a very sleepless night last night worrying about it all with loads of stuff swimming around in my head, used the cards to buy things with for years now, Birthdays, Christmas, shopping, weekends away, a couple of breaks away etc, what will they say when they look back at my statements and realise I've been so stupid? Had to do the hardest thing in my life yesterday, I sat down and talked to my kids about it. Didn't tell them everything, there are things they don't need to know, things that are my problem and mine alone to carry, they are kids and don't need to know everything. But I talked to Jane and decided that it was obvious there was something going on and they needed some sort of explanation. My daughter who is 10 was fine, doesn't mind what is going on as long as we're happy. My son who is 14 said he kinda guessed anyway, I think we don't give our kids enough credit sometimes, they know more than you think, and I didn't want them worrying or making there own minds up as to what was going on, so I thought it best to reassure them a little. Hope everything is ok soon. It's hard as I want them to be proud of me, I so hope the business takes off and my family can be proud, and I can hold my head up high and have some self respect for myself once again. One thing for sure though this has made me much stronger, with a very different outlook on life, no matter what happens next. Whoaaa, sorry guys not sure where that all came from didn't mean to on, anyway going to stir my chilli now and have a slug of wine. Thanks guys
Best wishes
Mike
 
 

Skippy

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Post by Skippy » Mon Oct 29, 2007 7:56 pm
Hi Mike, don't worry, your kids will be proud of you. You have faced your problems and are doing something about it. Whatever happens, you are their dad and they love you. I am so proud of my mum and dad - my dad faced his illness with courage that you can't begin to imagine, and my mum looked after him as well as bringing me up almost on her own. They weren't rich, they weren't famous but they were my mum and dad and I loved them dearly, and still do love my mum. They were always there for me when I was growing up, and while I didn't appreciate it at the time I can't thank them enough now.

Sorry, I'm rambling and I haven't even been on the wine! I hope you understand what I'm trying to say!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/
 
 

lily

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Post by lily » Mon Oct 29, 2007 8:10 pm
Hi Mike and thanks, I am fine.

I am soo pleased you sat down and spoke with the kids cos they do pick up and whilst you cant wave a magic wand to make everything better you can reassure them that no matter what happens you love them and are all in it together.

I know its hard, I reacted very much the same as you, I actually felt a huge relief when my kids knew. They want to help so I told gave them little jobs to do when I cried, which was quite often, instead of them feeling scared and not knowing what to do, they felt they could make things better and they sure sprung into action (which did actually make me cry more). but it brought us much closer.

I know youre not sleeping well but its early realisation days yet, when the 'Oh my God what have I done' 'how did I get here? thing passes, you will feel better.

Youre doing your best, whats the worst that can happen now?? Dont appologise for the essay, you need the support right now, we know what youre going through.

Enjoy the chilli and be kind to yourself.

lily
lily
 
 

Soulgrowth

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Post by Soulgrowth » Mon Oct 29, 2007 9:40 pm
Hope you enjoy that Chilli and the bottle of wine Mike. The simplest of pleasures are the best ... and often they don't cost much, if any, money [:)]

It has been delightful to have been part of your journey over the last couple of weeks [:)]

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk
Debbie
 
 

scaredkez

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Post by scaredkez » Mon Oct 29, 2007 10:26 pm
mike in all honesty your kids couldn't wish for a better dad, enjoy your wine and chilli, you deserve it.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
 
 

bagpuss

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Post by bagpuss » Mon Oct 29, 2007 10:41 pm
Hiya Mike... i dont think you need to be questioning yourself as a dad at all...money, business etc...its all material. What kids really remember is the time spent with you...the love given by you and the strength you have shown to go through this for a better life for all of you.

They will look back and be so proud of you....as i am sure they already are.

Debt is a horrid thing...for everyone...but i cant help feeling that for men who feel its there job to provide...and there job to fix everything it can be a real battle of emotions. You are no less of a man or a dad...something i had to get Rob to realise when we did our IVA.

Your a great person Mike...we are all so proud of you !!



Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/
 
 

olympic_torch

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Post by olympic_torch » Mon Oct 29, 2007 10:48 pm
hello Mike
Just to echo what others have already said.
Don't beat yourself up about the situation.
I went through the same feelings about my girls when we did
our iva.
Its not easy for a man to admit he needs help but it gets easier when things are out in the open.
As a wise man once said, kids are like a sponge, they take everything you can give but one squeeze and you get it all back.

Aucto Splendore Resurgo.
(6 down, 54 to go)
Aucto Splendore Resurgo.
IVA accepted May 2007.
Extended by 12 months in lieu of equity March 2012.
F+F offer accepted May 2012.
C of C received August 2012.
IVA dropped off credit file 24th May 2013.
 
 

mike.s

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Post by mike.s » Fri Nov 02, 2007 7:26 pm
Hi guys,
Thanks for all your kind comments and support, very much appreciated, up one minute and down the next. Poop day on the market today, considering dropping this particular market on this day and looking for another one, really thought it would be picking up by now 4 xmas. Ohh well maybe tomorrow will be better.
Received a letter from MBNA today (in respect of my American Express card) saying that they are aware I am currently experiencing financial difficulty and that they know I have sought advice from an IP for a potential IVA. A bit scary, how do they know at this stage? Should I be worried as I haven't had my meeting with Melanie yet to see if a F/F IVA is a possibility.
They are asking me to contact them as they are offering 'substantially reduced monthly payments' via a Reduced Payment Programme. They are also pianting a very bleak picture of doing an IVA. I suppose this is par for the course, do they normally do this, and should I contact them or just ignore it until I have seen Melanie? They also say if I set up payment programmes with all my creditors I could clear my debts over a shorter period of time. Bit confused now.
Thanks everyone, speak to you again soon
Best wishes
Mike
 
 

aguise

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Post by aguise » Fri Nov 02, 2007 7:34 pm
Hio Mike
I would wait and see Melanie or at least ask her opinion.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/
Please visit my blog at http://aguise.blogs.iva.co.uk/
 
 

mike.s

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Post by mike.s » Fri Nov 02, 2007 8:29 pm
Hi Ang,
Thanks, I will definately wait to speak to Melanie, really want this sorted soon, but properly!
Thanks Admin for moving the post, wasn't sure what to do.
Best wishes
Mike.
 
 

Adam Davies

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Post by Adam Davies » Fri Nov 02, 2007 8:31 pm
Hi
Wait until you see Melanie,but how do they know about the potential IVA ?

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Andam Davies
 
 

mike.s

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Post by mike.s » Fri Nov 02, 2007 9:26 pm
Hi Andy,
Really don't know. I have signed the Authority To Act and sent it back to Melanie last weeek, the rest of the paperwork, accounts etc, should be with Melanie by now (last day or so) but up until now that's all I have done. I certainly haven't spoken to my creditors (still very nervous about that, 'tell them I'm not here etc', until I have spoken to Melanie) But the letter is very clear as to what they know and to the advice "you have sought" quote! I wasn't sure if this was just normal, having never done this b4, or not. The letter is very nice, no threats etc, but advises at the end to visit insolvency.gov.co.uk or contact nationaldebtline.co.uk, but I certainly haven't told them anything. Just wasn't sure what to do next, now the cat's out of the bag so to speak.
Cheers
Mike
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