Approved IVA!

[jayteebee]

Hello All,
Firstly I'd like to thank the forum for any advise that I have read from reading other stories by other people on the forum. Although it's not good that were all here in the first place but it's good that we can share our experiences and pain that our money problem cause us.

I have just entered into an IVA with Freeman Jones and I must say they are a great bunch of people that I have dealt with so far. I don't live too far from the HQ either so I asked if I could come down and put voices to faces.They were happy for me to come down anytime I had problems or questions.

I now have 60 payments to go to be free again...

I became lost a while back started to struggle with card payments on CC'ds. Although I phoned up the companies involed and reduced my payments and froze the interest this was not enough.

I've been studying at uni part time for 4 years (as a mature student (38 now!) to better myself both for me and my family. My wife, my son and my wife's other children who stayed with us now and then. I had to take regular days off through the week to attend my course and sometimes I didn't make my full pay. This obviously was subsidised by cards and the banks overdraft (which for a long time kept out off). It has only been the last year of my studies that things actually got out of hand.

In February (2009) I found out that my wife of 6 years had been having an affair with her first boyfriend from school some (17 years earlier! go figure!). She met him trough that damn blasted site "FACEBOOK" which I now cannot even go near. I can't even stand the site being mentioned to me.

Being a simple soul my wife and kids were everything to me and I worked damn hard to make life better for them.

When I found out and the wife admitted to it eventually I was devestated. My wife had destroyed my heart and soul. Work, money, uni even my life was at risk I was just a complete mess for around three weeks. I thought my life was over. Everything I loved and wanted out of life was destroyed by my wife's betrayal. Like all couples, we were having some hard times but still my family meant everything to me.

Obviously this snowballed through bills, bank, work etc.. and I was getting deeper and deeper in trouble.

I eventually crawled into uni one Monday morning to speak to my supervisor. He was a great listener and a great inspiration. We had a good talk and he told me that this happened to him and he understood. This started to make me feel positive again and gave me the determination to finish my degree. I graduated in July with a First Class Honours Degree in Mechanical Engineering and was given a Governors prize for outstanding academic achievment under difficult circumstances.

Now that the IVA is in place I may be able to live again...

Just got to get the divorce out of the way and I'll be free...

I'm on the road to recovery but it's a damn long one...

[kallis3]

Hi jayteebee and welcome to the forum.

Wow! That's quite a story and I am so sorry that you have had such problems with your domestic life. You didn't say whether or not yo and your wife had worked through this.

Well done on graduating, and congratulations on getting your IVA accepted.

Good luck with it and let us know how things are going.

[johnh]

Great post, JTB. Sorry you have had such a rough time but now you can start rebuilding your life. Congrats on getting your IVA approved and getting a 1st in Mechanical Engineering (wow!!)
Good luck and keep posting!!

[PELDER]

Welcome to the Forum Jayteebee - it's a great place to air your grievances and find answers to difficult questions. A colleague of mine at work is also with Freeman Jones and he says they have been great so far (3+ years), so it appears that you are in good hands!

[Skippy]

I'm so sorry that you've had a rotten time jayteebee, but congratulations for turning things around and good luck for the future xxx

[jayteebee]

You didn't say whether or not yo and your wife had worked through this.

Unfortunately, a week before I knew she was seeing someone I did actually suggest to my wife that we go to relate or something similar to sort our problems out.. She didn't want to know (for obvious reasons!).. I suspected she may be upto something when she first started being off and distant.. but she denied it all untill I finally found out.. then kicked her out of the house..

[kallis3]

Fair enough, and I'm sorry things ended the way they did.

Perhaps now, with your degree and your IVA, you can move on and make a fresh start.

Anytime you want a rant or some support, we will always be here for you.

[Skippy]

I'm sorry it ended like that, but good luck for your future x

[Alby]

Hey JayTeeBee, First of all congratulations on achieving your degree. I was saddened when I read your story but what an inspiration you are, you're turning your life around now and things can only get better. I'm new here too. I'll be looking forward to hearing how you're getting on so keep posting. Take care X

[MelanieGiles]

A very sad tale, but one also full of positivity and looking towards the future. And whilst sorting debts out can often seem a fairly low priority, it is encouraging to see a poster who is clearly seeing the benefits of addressing this issue in making his own life plan workable for the future.

I wish you the very best of luck with everything.

[Shining]

Hi there and a huge warm welcome to the forum from me too, please stick around with us as we're a friendly bunch and can offer not only support for your IVA but also in the Social Chats we do have a laugh and I've made so many new friends and met some of them.

I wish you the best of luck for your future. x

[kallis3]

Keep posting jayteebee - we like to know how the members are getting on.

[flumpy dog]

aw jtb hope the new year brings better luck for you x

[jayteebee]

Hi all,

Thanks for all the kind works and support. I'll keep posting and let you know how I'm doing.

In line with keeping things tidy I have also set up a new bank account with think banking. I'm not used to other people transferring to and fom account but I'll see how it goes.

Like everyone on here it's not that I can't organise my own finances. I can, things just got out of hand during my grievance and heartache.

It's good to know that there are likeminded people on here. Were all in a similar boat and I feel for you all. Having the burden of debt on your shoulders is a truly demising, demoralising soul crunching feeling and can leave you feeling lonely and helpless to the creditors.

As much as I tried to sort my finances out I just couldn't get clear debt's were just snowballing. Any money that I earned just went on bills. I was living on £10 a week for a long time...

It's a good job my hobbies are not expensive..

Take care all. Any time you need a chat etc.. post or message me..

Bye for now!..

John

[Julie]

Hi John and a belated welcome to the forum [:)]

You've done tremendously well to go through your personal problems and debt problems and come out the other end. I've been through a very messy divorce as have others and can only say things happen for a reason. I've never been happier than I am now [:)]

Good luck with your IVA and remember to put yourself on the frugal map..email addys can be exchanged and a lot of us keep in touch off forum too.

Hey, we even have get togethers now and then, so it will be great to see you at the next one.

Please keep posting, this forum will be of great support and you'll find life long friends. I know I have [;)]