Hi, I haven't posted too often but I have lurked and made a few social posts.
I was to go through my proposal this week and then look towards my creditors meeting.
Unfortunately, things didn't quite work out as I have split from my wife, my twenty something (not twenty of them LOL) kids decided to remain with me [:(], and due to a number of factors, I haven't enough surplus to make a reasonable offer to my creditors.
Anyway I had already considered BR and now find myself hurtling towards the court. I have moved across to the sister forum, but before I go I'd like to wish you all success in your future debt free lives.
I have gained a lot of confidence from reading posts from similarly affected good people on here and from those who have ome through the trials relatively sane and unbowed.
Good luck to you all.
Last edited by scirocco on Thu Jul 01, 2010 9:52 am, edited 1 time in total.
Dave
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion
Hi Dave - sorry to read things haven't worked out the way you planned but glad to see you are taking the necessary steps all things considered.
Its great to read the forum posters have helped you along the way and I know you'll be well looked after on the sister forum - do pop on here every so often though and let us know how you're doing.
Best wishes,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com
If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
Michael, you were a great help to my estranged wife and she and I are indebted to you.
Tina, you were my first contact when I decided to do something about my dilemma. The team at MG's are inspirational and gave me hope and a guiding light when it felt there was none. The past few months have allowed me breathing space to reflect and decide a way ahead.
That breathing space is sometimes all that is needed.
Dave
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion
Im sorry about the break up with your Wife n how lovely the twenty something kids want to remain with you. You are doing what is best for you & your family & thats whats important.
You should be proud of the fact that you have seeked advice on your situation & have looked at all options to try n pay your creditors.
Melanies team are brilliant n Im sure they have guided you well.
Lots of luck with the BR & moving on with your life after its over.
PS: N please let us know how you get on [:)]
Last edited by MrsKnight on Thu Jul 01, 2010 10:07 am, edited 1 time in total.
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
So long as you have made the right decision that is the main thing. Your inspirational post to me after I lost my dog gave me great comfort, and I am sure we will keep in touch. If we can help you in any way with the bankruptcy you only have to ask.
M, I draw no greater comfort than the fact that you and Michael are willing to continue to offer guidance and advice even though we are no longer, or never have been paying customers.
That, to me says everything about what type of people you are.
Kindness, patience and respect is what matters, it is those which define us more than anything. I could go out naked and penniless to walk and care for my beloved dogs and they would not notice nor care a jot. Money can't buy that.
Love to you all,
Last edited by scirocco on Thu Jul 01, 2010 2:21 pm, edited 1 time in total.
Dave
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion
I totally agree with you about your dogs. Although I'm not a dog person (my picture is a hint about my favourites!) I sometimes think I prefer animals to humans - their love is unconditional.
I'm so sorry to hear that you and your wife have split and that you are going to have to go BR.
Please keep posting (and sending me pictures of your pets as well!)
You can get loads of help from this forum as well.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Thank you all so kindly. I haven't jumped off the pier just yet, although with this heat I've been sorely tempted.
I actually prefer to post in here. It took me a while to pluck up the courage to come into the open about my finances. When I finally did, this forum offered me non-judgemental support and the advice to help me do something about it.
I don't feel too bad about the direction I am taking. It's a little scarey as I feel I've leaped over the two safety barriers to come face to face with the lions.
My marriage break-up was inevitable and I'm ok with it. Twenty five years, through what we thought were the most difficult of times we would ever face. I was in the Royal Navy for the majority of that and spent most of my time at sea, including during the obvious conflicts.
But the pressures of debt is different. It takes its toll to some extent on most relationships and the blame game is caustic. But we have managed to part on speaking terms, even though we haven't spoke harmoniously for the past couple of years.
It's now a case of saving as quickly as I can for my BR fees. I have to get over this hump and see what life I've been missing since I stuck my head in the sand.
Last edited by scirocco on Thu Jul 01, 2010 8:10 pm, edited 1 time in total.
Dave
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart. You owe it to him to be worthy of such devotion
