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

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recovering

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Post by recovering » Wed Nov 30, 2011 7:37 pm
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am on hold
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Rosepetal

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Post by Rosepetal » Wed Nov 30, 2011 7:45 pm
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courage[:)]!

you might get some pressure - stand firm,you can't pay them - all creditors must be treated the same & you're working on your emergency fund now[;)]
Nothing stays the same...everything changes..hang on in there!
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recovering

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Post by recovering » Wed Nov 30, 2011 7:51 pm
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There are some benefits to non uk call centres! such a sweet lad, completely oblivious to my situation! He was trying to get me to discuss my savings!!!! But I did it! It would be fab if everything was that easy!
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Foggy

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Post by Foggy » Wed Nov 30, 2011 7:56 pm
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Well done !!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Rosepetal

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Post by Rosepetal » Wed Nov 30, 2011 7:57 pm
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haha! all that stress & you did just fine!

you're coping better than you think[:)]. have a cuppa now- you've earned one.
Nothing stays the same...everything changes..hang on in there!
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kallis3

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Post by kallis3 » Wed Nov 30, 2011 8:12 pm
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Glad you managed to do it. That's one more hurdle out of the way.
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
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recovering

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Post by recovering » Wed Dec 07, 2011 8:22 pm
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how bad will this look? my boss gave me a bonus today now it looks like I earn a lot more than I do! its terrible I feel so guilty to get it
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Shining

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Post by Shining » Wed Dec 07, 2011 8:26 pm
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Well done on getting the bonus, discuss it with your IP and explain it's that, is the bonus a one off or might it be regular?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Wed Dec 07, 2011 8:28 pm
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Great news on the bonus. You do need to speak to your IP and let them know that this is a one off at the moment.
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
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recovering

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Post by recovering » Wed Dec 07, 2011 8:34 pm
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not usual it states "merry xmas" on wage slip!
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Shining

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Post by Shining » Wed Dec 07, 2011 8:35 pm
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Have a word you never know you may be able to keep it x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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kallis3

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Post by kallis3 » Wed Dec 07, 2011 8:37 pm
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As Lesley says - have a word with your IP, you might be ok and what a wonderful Christmas present for you.
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
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recovering

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Post by recovering » Wed Dec 07, 2011 8:41 pm
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well i'm not sure how it works before i have been accepted. Haven't had proposal yet but it's due in next couple of weeks, meeting will prob be mid/late Jan now
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kallis3

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Post by kallis3 » Wed Dec 07, 2011 8:44 pm
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Just mention it to the IP - you may find that as it's pre IVA then you can keep it all and use it as a contingency fund.
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
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recovering

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Post by recovering » Wed Dec 07, 2011 8:48 pm
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Have to keep sending payslips and bank statements anyway! Just feels odd ..[:0]
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