Hi I clearly need an iva but am petrified taking the step

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recovering

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Post by recovering » Tue Oct 04, 2011 8:39 pm
it's booked 10th november just a week and will be contactable on mobile
 
 

kallis3

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Post by kallis3 » Tue Oct 04, 2011 8:39 pm
Brilliant choice - we went to Taba Heights two years ago and had a fantastic time, really relaxing.
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
 
 

kazzafunk

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Post by kazzafunk » Tue Oct 04, 2011 8:40 pm
Have a nice time!!

All the feelings you have described are all normal when going through the process. If you have any creditors on-line then remove your work number so they can't get you. I only had one that had my work number and they rang when no-one else was in the office and I told them I was on long-term sick and politely asked them not to call again!!! Never rang again. hee hee
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

recovering

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Post by recovering » Tue Oct 04, 2011 8:45 pm
am going to sensatori its just re opened and i was caught unawares by the call at work, none of my creditors have my home or mobile numbers so i put him off saying i was busy ...Mel has advised to just give her name and number i just panicked as i am sure he told the staff who answered phone what company he represented [V]
 
 

kallis3

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Post by kallis3 » Tue Oct 04, 2011 8:51 pm
Just tell your colleagues that you're having problems with this company pestering you because of either pushing insurance or problems with a payment which is their fault.

If you do speak to them yourself then tell them that you no longer work there so they can't speak to you!!

I've not heard of that resort but I'm sure it will be fab.
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
 
 

Rosepetal

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Post by Rosepetal » Tue Oct 04, 2011 10:05 pm
hi, glad talking to Mel helped you.

kall's sometimes suggested you go online to credit card accounts etc, update your tel. number with your mobile &delete the others.

it's hard at this point. i got very scared& posting when it was bad really helped.

you can come up with a white lie if you need to,tell them you got a bit behind& your sorting it out. there aren't many who've not had £ problems at some point.

you're not alone.
Nothing stays the same...everything changes..hang on in there!
 
 

recovering

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Post by recovering » Wed Oct 05, 2011 6:12 pm
I get paid tomorrow gave my boss new details but am paranoid he will forget and put into old account [V][:(] trying not to remind him every 5 minutes is hard
 
 

kallis3

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Post by kallis3 » Wed Oct 05, 2011 6:17 pm
Hope it goes into the new account!

As Rosepetal says - if you can manage to go online and get rid of the numbers then do so.
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
 
 

Shining

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Post by Shining » Thu Oct 06, 2011 1:52 pm
I'm sure if he's reminded he won't mind and that it goes into the new account. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Rosepetal

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Post by Rosepetal » Thu Oct 06, 2011 2:37 pm
hi, hope wages paid into new account ok for you. hope you're ok[:)]
Nothing stays the same...everything changes..hang on in there!
 
 

recovering

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Post by recovering » Thu Oct 06, 2011 5:56 pm
PANIC...... have been paid have no idea where yet! have to register online to access info first and my boss hasnt replied to my text! [:(]
 
 

recovering

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Post by recovering » Thu Oct 06, 2011 6:05 pm
he paid it into my old account! i dont know what to do!!!!!![:(]
 
 

ginger3232

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Post by ginger3232 » Thu Oct 06, 2011 6:16 pm
Can i ask - what bank is your old account ? - most do fast transfers - so if you can transfer as much as you can now (should only take up 2 hours to reach new account)(check and recheck you new acount details- as these transfer cannot be stopped) and then cashpoint withdrawal for any more
Last edited by ginger3232 on Thu Oct 06, 2011 6:24 pm, edited 1 time in total.
 
 

recovering

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Post by recovering » Thu Oct 06, 2011 6:53 pm
Its lloyds i just tried to transfer and it wanted me to talk to an advisor but i was too scared
 
 

footiemad

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Post by footiemad » Fri Oct 07, 2011 4:34 pm
Have you managed to get the money out of Lloyds Yet? Why don't you speak to Mel and ask for her advice on what to do for the best x
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