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Goffy

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Post by Goffy » Sat May 04, 2013 3:51 pm
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Hellloooo everyone. Im wanting a whinge lol. I have my creditors meeting on Thursday and i am bricking it. I am so worried my IVA proposal is going to be rejected. I know its normal and perfectly OK to feel like this, but im full of "what ifs". Ive found myself looking for places to rent in case it goes belly up and i lose my home. I know there is no point in worrying about it, but i can flippin help it! And i need to STOP googling IVA failures, it is not helping at all lol. Hope everyone is ok and enjoying the sunshine x
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Foggy

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Post by Foggy » Sat May 04, 2013 3:53 pm
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Hi Goffy. Yes, it is a difficult time -- but try to put it out of your head .... and stop googling !

Thursday will soon be here and I am sure you will be a happy bunny :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Goffy

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Post by Goffy » Sat May 04, 2013 4:01 pm
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Thanks Foggy. I really hope so, and i am trying! lol. I know LOTS of people have been here before me, but the way things have been lately with my luck, it would be just typical if mine was rejected. I think im worrying more because a big chunk of the debt was taken on very recently...like the start of this year...then everything went pear shaped with my marriage and im worried it will be rejected becasue they might say its recent debt, so tough.
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Foggy

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Post by Foggy » Sat May 04, 2013 4:06 pm
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These things happen, Goffy, as the creditors well know and do understand. Your IP will put forward a reasonable explanation and I am sure it will be OK.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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MrsKnight

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Post by MrsKnight » Sat May 04, 2013 4:19 pm
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Hi goffy - google is my worst enemy! I agree with foggy...Stop Googling! And remember we moan more about when things go wrong rather than when things go right!

Your IP wouldn't put your IVA proposal forward if they didn't feel it wouldn't be accepted, keep positive & good luck for Thursday x
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X



An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt

Lyns x
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Goffy

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Post by Goffy » Sat May 04, 2013 4:42 pm
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My advisor seems confident and he is lovely. I guess im going to take my dogs out for a long walk and enjoy the bank holiday instead of sitting her and worryin. Thanks again Foggy your a star x
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Shining

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Post by Shining » Sat May 04, 2013 8:15 pm
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Goffy enjoy the weekend as what will be will be and Thursday will soon be here and we'll be joining in congratulating you I'm sure. Positive vibes over to you x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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wiggle1

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Post by wiggle1 » Sun May 05, 2013 10:46 pm
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Good luck for Thursday-More positive vibes winging their way to you.
Life after IVA is wonderful.
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Goffy

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Post by Goffy » Wed May 08, 2013 2:23 pm
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Oh gawd! Its D-Day tomorrow. I havent slept for 3 nights. I know i shouldnt worry, and everyone is saying not to but i am something chronic. I have a really bad feeling about it. Its been so bad ive even been looking for houses to rent as i have convinced myself its all going to go wrong and i am going to lose our home. I know ill not sleep a wink tonight again, and i feel like my life is on hold. If my IVA is rejected my life will be over. I have so many what-ifs. I KNOW i need to flamin well stoppit but i cant switch it off :-(
Last edited by Goffy on Wed May 08, 2013 2:24 pm, edited 1 time in total.
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Struzzo39

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Post by Struzzo39 » Wed May 08, 2013 9:20 pm
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Good luck for tomorrow. I remember all these feelings all too well. You should be fine! Your IP wouldn't put a case across if there weren't confident with it, Keep us posted and get that bottle chilling to celebrate tomorrow
Steven & Debbie
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luluj

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Post by luluj » Wed May 08, 2013 9:53 pm
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Fingers crossed for you Goffy ..look forward to reading your post tomorrow x
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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Foggy

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Post by Foggy » Wed May 08, 2013 10:01 pm
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Fingers crossed for you Goffy :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Pandy

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Post by Pandy » Thu May 09, 2013 7:27 am
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Everything is crossed for you, look forward to seeing your YESSSSSSSSSSSSSS post
If life is what you make it, I must have been in a strange mood when I made mine
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Goffy

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Post by Goffy » Thu May 09, 2013 9:23 am
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Just had my advisor on the phone. Its not good news. One of my biggest creditors has rejected. Its a credit union and they have said no. It is not looking good. I am devastated and i dont know what to do.
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Foggy

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Post by Foggy » Thu May 09, 2013 9:28 am
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Hopefully your advisor can talk them round.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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