Hats off to anyone in an IVA

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chardonnay

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Post by chardonnay » Thu Aug 07, 2008 8:04 am
Hi and I also think you two would make a super team. I love this forum as there is no judgement and you can be honest and get help and support in abundance.
I'm only into my fourth month so have a long way to go.....but thanks to everyone on here I know I can get through this!!
Love you all,
Hugs,
Chardonnay
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chris.g

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Post by chris.g » Thu Aug 07, 2008 9:18 am
I have always said that people who are in IVA's are wonders.....
We hoped we would be able to do an IVA, but we didn't have any income left. In a way I'm now relieved that we went down the br route. This will be over sooner than an IVA and with less struggle. Yes, we have lost the car and the house, both of which were crippling us financially and we are better off without them.
To struggle in an IVA for 60-72 months when everyone knows that br is an option, unless it will effect your employment, takes a strong person.
I think it is about time that creditors realise what a blessing IVAer's are and instead of punishing them and squeezing for every penny they can, they cut them a bit of slack and gives them the credit that they all deserve.
xx
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drowning-mummy

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Post by drowning-mummy » Thu Aug 07, 2008 10:11 am
Here Here Chris!

Especially the way the economy is running at the moment and how BR are increasing. Thats why I feel that the Insolvency Register is more like a Name And Shame Register.
"Theres always time to fly a kite....."

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chris.g

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Post by chris.g » Thu Aug 07, 2008 10:18 am
Definately DM. It's a breach of Data Protection for a start.......You can't even get details of Electorial Rolls unless you pay a fee, why not the same for the Register??

It's narrow-mindedness and snobbery at best and exploitation and punishment at worst.....
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quark2008

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Post by quark2008 » Thu Aug 07, 2008 11:20 am
I don't really care any more about who knows my business,yes i'm ashamed,and could throw myself off a bridge at times, i've made my first payment though, i am on the road to financial freedom. The banks and creditors, oh i am getting so bored of those two words, ahem, look at the mess they have gotten themselves in, if they'd lent responsibly, not gotten carried away,a lot of us would not be in the place we are in. Of course i hold my hand up and say i got carried away too. I say to the people who judge us and stuff, up your bum, watch your back, it's a very thin financial line these days, anyone could be turned upside down at any time.Even the most solvent. All i care about is making sure that i have some quality of life whilst i am in IVA jail, make my payments on time, support those who are worse off than myself via this forum, etc etc.We are the brave, upside down from time to time gang, who will bounce right back up in no time at all !!!!
 
 

kallis3

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Post by kallis3 » Thu Aug 07, 2008 12:03 pm
If I told people at work that I was in an IVA, they would think I was taking the easy way out. I doubt if they would understand that I have done it so that I can pay back as much as possible to my creditors (sorry about that word again Quark!) and take control of my life.

I am sick of seeing the adverts that make it sound a doddle to write off 75% of your debts - it's not, but I'm glad I have done it. At least I can sleep at night now!

They're talkin about organising the Christmas do now. I am so glad that I have never been on one (it's basically just an excuse to get as p**ssed as you can and then throw up - not my idea of fun!), so don't have to make an excuse, because there is no way I could afford it this year!
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.
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quark2008

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Post by quark2008 » Thu Aug 07, 2008 12:21 pm
I just sometimes think what a plonker i've been, but my debts had built up over 18 years or so. IVA's are not an easy way out at all, they take 100% concentration and commitment. Though i am prepared to take drastic action if my situation requires it, i mean BR nothing sinister. People judge because they are not aware of the full facts. They've just had the summer ball at work, at The Grosvenor in town if you please. Half my IVA contribution gone had i'd gone. Christmas ? pah ?
 
 

kallis3

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Post by kallis3 » Thu Aug 07, 2008 12:23 pm
I shall be expecting you to say 'Bah humbug' next Quark![:D][:D]
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
 
 

quark2008

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Post by quark2008 » Thu Aug 07, 2008 12:24 pm
Bah, stars stars stars, the off duty requests are out for Christmas already, can you believe it ?
 
 

drowning-mummy

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Post by drowning-mummy » Fri Aug 08, 2008 1:25 am
Ladyh,I did not get your message, I am so sorry.
I've been out this evening to see a medium (which I dont believe in), she stood there in front of 70 women at £10 a pop snd talked crap. I could have done better!!!!!!!!!!!!!!!

Maybe I should give it a go????? NOT!
"Theres always time to fly a kite....."

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Wizzard

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Post by Wizzard » Fri Aug 08, 2008 7:11 am
Great to see you back DM ... I enjoy your little posties. As for you Quark ... you were a plonker ... we all were. But not anymore, we're getting sorted the best way we can and our creditors must believe in us or they would have all voted no. Are am I being naive?

Now where are me marbles ... I seem to have misplaced them ......
When I was young I was called a rugged individualist
When I was in my fifties I was considered eccentric
Here I am doing and saying the same things I did back then and now I'm labelled senile
 
 

Kazzy E

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Post by Kazzy E » Fri Aug 08, 2008 7:22 am
Hi Ray, you sound bright this morning! Me thinks my marbles might be in the same place as yours [:D] let me know if you find them!!! Hope you're ok (?), have a good day Kazzy x
There is light at the end of that dark tunnel. Promise.

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orchid5

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Post by orchid5 » Fri Aug 08, 2008 7:23 am
hi all have just read through this thread, i have had nothing but support from my friends regarding my IVA in all honesty, I did feel a failure etc when first comtemplating, thought i was the only one but it was the only way out for me and thankfully I made that first step forward. It takes a lot of courage to admit that you aren't able to cope so good luck people you are being responsible and trying to sort out debts by paying them back albeit not in full although I'm sure we would all like to do that, Melanie you are a breath of fresh air, thankgod for people like yourself and others who offer sound advice and support.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.

IVA COMPLETED August 2012, received Completion certificate 18.4.13.
 
 

Kazzy E

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Post by Kazzy E » Fri Aug 08, 2008 7:27 am
I couldn't have written that better myself Orchid, except I can't tell any of my pals(apart from you good people) about my debts. Hey ho, that's something I have to learn to live with. You are right about the people on the forum, if I hadn't found this place (purely by accident) I don't know what I'd have done. A yes, Melanie is a star. Kazzy x
There is light at the end of that dark tunnel. Promise.

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Kazzy E

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Post by Kazzy E » Fri Aug 08, 2008 7:29 am
By the way, brilliant thread DM, as always. Hope ur ok? Kazzy x
There is light at the end of that dark tunnel. Promise.

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