Try and get your creditors to contact you via your mobile rather than work. Just tell them that you are going for an IVA and give them Mel's details if that is who you choose to go with.
Mel is great - I have met her numerous times and do count her as a good friend.
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
If you decide to go with Mel's team then you have picked one of the best and they won't put forward an offer if they don't think it stands any chance of being accepted/
If you let creditors phone you via your mobile then at least work won't be involved and you can always fib and say that they're contacting you about insurance or something like that.
Start the ball rolling now and you could be in an IVA within a couple of months.
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
i felt calmer after talking to Mel, I want to accept and post back now but don't have a printer so will do tomorrow, it's hardest when i'm alone that's when anxiety takes over...sorry to go on!
Don't apologise for going on!! This is what we are here for, total support and advice. We've all been where you are so know how you are feeling.
Post whenever you like, there will always be someone about.
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
have been for a walk! i worked 3 14 hour days at weekend in an effort to bring on a whole nights sleep can i ask if i am allowed to go on a holiday? i mean during iva process? its actually paid for totally but obviously i don't want to jeopardize anything[:I]
When is your holiday booked for? If it's already paid for then you should go for it - if you cancel then you'll lose the money anyway.
Just keep the IP in the loop so they know when they can contact 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
Holidays are fine. Many save up bits of overtime shares and allowances to fund a modest get-away. Some ( like me) get them free and gratis (care of family in south of France).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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
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
am hopefully going to egypt for the first time had a very long work year so am supposed to be relaxing under doctors orders, a week of doing nothing with no rain
