coping ok

[LadyBarnosky]

Now my IVA is in place its going ok!

The only thing i am worried about is not being able to emigrate until after it finishes ie- waitting to see if i can remortgage to pay rest off or not.

if i cant another year would be ok as i could rent out my house maybe and then when i sell it the assets i could use to move.
If i can then at least i can go debt free...just wish i didnt have to wait so long!

My hubby is v down and desp to get back to the states. This im not coping with so well.

[LadyBarnosky]

Ohio i think i just have resign myself to waititng until this is over i will still be ok to go then i guess.

I tried to keep my house exempt from the clause but it was one of the conditions to have my IVA lots of people say about Bankruptcy but that cannot be an option me and the hubby need to be able to live in this house and also all my family will know about my debt it would kill my mum to know i just cannot do it also i have looked into br while out in the states and its soemthing that would not go down well with them especially as it would cost me more from over there and i am soposed to be proving i can support myself while looking for a job.

one good thing tho is that i can auto apply to go back as his wife so i know i can go without any hassle!

I know its my own fault for getting in the debt but got it gets to you doesnt it!

if if if i know i cant think like that but i do!

[kallis3]

I do know what you mean about not telling parents - mine don't know as they would be mortified to know about the mess we got ourselves in.

It does get to you!

You'll find the time goes quite quickly - we're two years in now and it doesn't seem like five minute since we were approved.

[LadyBarnosky]

I tell you one thing tho never ever will i be in debt again.
I feel so stupid sometimes as i was in debt around 10,000 4 yrs ago and i got a 50 grand inheritance so i paid off the debt and put some on the house to buy it...then i split up with my ex so ws told unless i paid another 10 grand off the mortgage i couldnt have it just in my name ..so i did then they said no again!

so i complained and then they said yes as i earned enough!

so the savings i had ( which woul have enambed me to pay a big chunk off the debt avoiding an IVA) i couldnt use!!!!!!!

If only i had knew at the time.

The reason why i got into such debt is becuse times were hard and i kept extending my O/D at the lloyds..eventually it got to 9,000!

I knew what i was doing but i needed the cash!

Then they kept charging me and wouldnt freeze so i could start to pay it off...other than that i only had 8,000 on 2 credit cards so if it wasnt for that O/D i would have not had to go for an IVA!

Wow that feels better i really am glad i found this forum its nice to know ur not alone. xx

[kallis3]

Hindsight is a wonderful thing, and I certainly wished I'd have had it!

I knew what I was doing as well and used to lie to my hubby that we were fine financially, even when I knew we weren't and I'd just go out and borrow more money, especially when we wanted to go on holiday.

This forum has been a lifeline for myself and many others and it is good to be able to talk to people in a similar situation.