I think you and I are in the same boat[V] we are about the same way into the IVA and we are finding it a bit harder at the moment, I think after the initial relief reality has set in and we are realising the enormity of what we have done. I have good days and bad some where I really beat myself up for getting into this mess and other days where I know that soon (I hope) it will be over. Keep your chin up at the end of the day there is nothing we can do except get on with it[:0] It will be our turn soon........[;)]
Karen xx
Mellymoo things will get easier I promise and you'll come out the other side a stronger person because of what you have been through in the IVA. I remember dealing with the phonecalls and being made to feel like a criminal cos of the mess I was in. The more I dealt with it the stronger I became and by the time my IVA was approved I was no longer intimidated by it and I learnt to stand up for myself. Yes I was in a mess and yes it was my fault for being silly with my money but I was taking control and doing something about it. I had one creditor who was really nasty, got their solicitors to phone and threaten to take everything from me. I just said fine, I'm willing to give you 50p in the £1 through the IVA however I could go bankrupt and you'd have nothing. Once he realised I wasn't scared I never heard from him again.
Chin up it does work out in the end
I think its impossible not to have off days and there are definately emotional phases during the course of an iva,the middle section probably being the worst as you can feel like life is passing you and your kids by! You just have to keep plodding on and maybe set little targets rather than constantly look at your end date 2 or 3 years away.
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
need to smile today? go on check out my blogs - I'll add to them regularly
Our IVA's over YIPPEE unbelievable!Seems like yesterday it was approved despite everything
