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

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recovering

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Post by recovering » Fri Nov 25, 2011 3:46 am
Awake :-(
 
 

luluj

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Post by luluj » Fri Nov 25, 2011 6:44 am
recovering - I was awake too at 4.30am this morning - for what reason I do not know other than couldn't sleep !

It will get better and you will feel a whole different person when things are all in place - stay focused !
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"
 
 

kev59

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Post by kev59 » Fri Nov 25, 2011 7:54 am
recovering, your not doing nothing. unless you call going into a IVA nothing.
send them on to you IP its they job now and they know what they are doing.

I Got a letter saying they were doing me to court, I read it smiled and posted it on to my IP.
thinking you should have under 3 weeks till im in my iva good luck.
IVA now over with and it was worth it.
now starting my life again,
 
 

MrsR

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Post by MrsR » Fri Nov 25, 2011 8:08 am
Must've been something in the air last night, as I didn't get to slepp till 5am, then woke at 7am!

Recovering, maybe some herbal sleeping tablets may help for a but ?
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
 
 

kallis3

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Post by kallis3 » Fri Nov 25, 2011 8:15 am
I actually had a good night last night but was awake at six which annoyed me as I'm on a late shift so don't have to be up at that time!!! I always stay in bed though, I sometimes get some inspirational thoughts that way!!

Not very often though!!!!!!!!!!!
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
 
 

kev59

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Post by kev59 » Fri Nov 25, 2011 8:22 am
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by MrsR

Must've been something in the air last night, as I didn't get to slepp till 5am, then woke at 7am!
the air must be the same most nights, I can never sleep at night.
oh yes know the reson, I only work nights.[:D]
IVA now over with and it was worth it.
now starting my life again,
 
 

Broke of London

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Post by Broke of London » Fri Nov 25, 2011 12:49 pm
Awww Recovering you are doing the biggest, best and most important thing you can by proposing an iva. You'll feel amazing once it's in place and all this waiting and sleepless nights will be worth it! x
 
 

MrsR

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Post by MrsR » Fri Nov 25, 2011 12:52 pm
Lol Kev
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!

Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA :)

Completion Certificate received- 30th April 2015!!
 
 

recovering

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Post by recovering » Mon Nov 28, 2011 9:09 pm
Sundays are my favourite day....NO POST
 
 

kallis3

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Post by kallis3 » Mon Nov 28, 2011 9:12 pm
........and Bank Holidays!!!!
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 » Mon Nov 28, 2011 9:13 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by recovering

Awake :-(
Don't worry recovering. We've all done this too. Soon you will be able to sleep without waking up worrying.

[:)]
Kazza

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

IVA completed 21/03/2012
 
 

recovering

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Post by recovering » Mon Nov 28, 2011 9:20 pm
Weirdly it's the smallest creditor who is being the most intimidating
 
 

kallis3

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Post by kallis3 » Mon Nov 28, 2011 9:24 pm
It's sometimes the way. Barclaycard were my worst but they were by no means my largest debt.
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
 
 

luluj

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Post by luluj » Mon Nov 28, 2011 9:26 pm
please do not worry - you will soon be missing your postman at your door ! Once in the IVA your volume of post stops and some days you will get none !

We went on holiday in the summer, came back to two envelopes after 10 days of being away ! It felt very strange and my father in law had been in contact with royal mail as he thought there was a delivery issue - but no, it is just the norm now - very little post - in fact today I could have ordered several pizza's and a taxi - that was all that I had through my door !
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"
 
 

kev59

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Post by kev59 » Mon Nov 28, 2011 10:01 pm
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by recovering

Weirdly it's the smallest creditor who is being the most intimidating

its my smallst creditor, is say they are taking me to court, under £200. Think there are hoping I will just pay to get them off me back.
Had phone call today from biggst creditor today,
they could not have been more helpfull.


just send any letter to your ip.
IVA now over with and it was worth it.
now starting my life again,
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