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

[recovering]

ummmmm if there are more letters tomorrow it's a distinct possibility

[plasticdaft]

I can do a fozzy bear impression if it helps!!!

Paul

[Rosepetal]

and i'm a good "BIG bird"!!! after Christmas treats! lol! i love the muppets lol.

we experienced all this you're coping with,you're doing well. it is horrible. scare tactics doing a great job!

not to scare you,the CAB advised us to keep windows & doors locked with bailiff threats - careful if cooking.

you are not alone & not too far off a meeting now. i was a wreck,posting lots really helped me[;)]

[recovering]

I leave curtains shut all day and lights off as long as poss i do work 14 hour days a lot so am not there loads

[Rosepetal]

i kept curtains shut too - people might laugh but i was scared the bailiffs would come,look in & make a list of our stuff ie tv to take!

i didn't answer the phone or the door,i was too scared,the CAB told us a bailiff only needed to get a foot over the door to claim legal entry.

hope you get a date soon.big hug x

[kallis3]

A bailiff does only need to get a foot over the door which is why you should keep all doors and windows closed if there is a threat of that.

[Rosepetal]

hi kall, i'm so glad to have all that behind us,it was so stressful.

hope you're ok Recovering.

[recovering]

I am being cowardly and sending letters on unopened i just cant read anymore, i think only 1 creditor is being arsey am going to email IP just to ask if everything is ok

[Rosepetal]

hi, good idea if it takes some of the stress off you,it's not cowardly at all. stress is v high at this point[:(].

good idea to keep in touch with your IP too,helps ease your mind. remind me who you're with?

you should have a date soon& this horrible stage will be behind you.hang in there x

[Car1e]

Try not to worry Recovering, I know it's easier said than done as you feel your whole life is on hold and sorting out the IVA is all you can think of. Just take the time to offload on here, you'll get lots of support and things won't seem so bad.

[recovering]

With melanie giles

[Foggy]

Hi Recovering, you are with one of the best, so you are in very good hands. If you have any concerns at all Melanie, or one of her team will be happy to chat to you anytime.

[kallis3]

Melanie will see you right - she's one of the best.

[Rosepetal]

Recovering Mel was our IP too,she did a great job for us - without her we would have had to go BR,we had no other options.

her whole team have been great with us. don't hesitate to contact them if worried they won't mind.[;)]

[recovering]

It's the not knowing..it's killing me