House Handed Back Today

[coco]

Hi everyone,

sorry not been on for a while, well today is the last of my debt finished. The removal people turned up and the house is now empty and posting the Keys back to the Mortgage company. It has been a long struggle but when i closed the door for the last time knowing that it is finally over and i can move forward. Walking around i realised that it is a just a shell. I have no regrets going BR now when i look back, so now i have time for my family and can look forward with no black clouds hanging over me anymore (apart from the ones letting the awful rain out).

All those who are entering an IVA good luck and I hope it suceeds for you. Those going BR it is not as bad as what you may think.

Take Care

Coco

xxxx

view my blog http://coco.blogs.iva.co.uk

[Oliver]

Good to hear from you Coco and I am pleased that you feel that bankruptcy was a positive step for you.

All the best with everything in the future.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[lily]

Coco

So glad its finally over for you, I have always been thinking of you. Good luck with your new life and the new arrival, close the door and dont look back. Now its only the weather that can rain down on you.


lily

[flozza]

Dear Coco,

What a relief for you... your shoulders must be feeling so much lighter!

I wish you well...

x

[ray_a]

Hi Coco

Hope you have somewhere where you and family can live!

Anyway good luck and do stay in touch!

[coco]

Thank you all for you kind words, I am going to be in B & B for up to 6 weeks, i then will be in temporary housing until the council can home us we cannot rent privately as all the estate agents request 6 months in advance due to the BR (if i had 6 months money i would had bought the equity in the house and we could have stayed). On a brighter note no house work, cooking or washing up for a whole 6 weeks yipeeeee . Seriously though it is going to be tough with a teenage lad and 3 year old girl not being able to have thier own space but we have all gone through so much over the last 18 months that 6 more weeks wont hurt any off us.

view my blog http://coco.blogs.iva.co.uk

[ray_a]

Hi Coco

In some ways I am sorry that your situation has turned out that way for you!

I do hope you can find somewhere more permanent.

It is times like this that make me realise how fortunate we were in that we were able to raise the six months deposit!

I feel this is the result of our debt ridden society!

Do keep your chin up!

[aguise]

Dear coco
You should be proud of the way you have handled all of this, it is nearly behind you and now you can move on. I hope your housing situation sorts its self quickly and you and your family get a lovley home. All the very best to you.

Ang xxx

[tracy.h]

Coco
Well what can i say you have shown so much courage and strengh you truly now can move on and look forward to a debt free life,and i really do wish you and all your family the best of everything good for the future.
I hope you will keep posting maybe we can start a baby forum as it will be great to know when the new member of your family arrives.
Sending you lots of love and a big hug.

Tracy x

[Oliver]

I hope the council find you something more permanent soon Coco. Good luck with the b and b and keep positive.

Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

[Adam Davies]

Coco
You really have been through wrangler haven,t you.
I,m sure that things can only get better for you and please keep posting'blogging so that we can all see you get back on your feet and enjoy a less stressful life.
regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[rachel33]

Best wishes to you Coco, it's you and many others on this website that has helped myself and others to get through all this. Like you say at least no housework etc for a while!
We have put our name down for a council house because we know that we couldn't afford to pay back the family member that was gonna pay my equity, and we were totally devastated at first, but I went BR and my husband did an IVA so we owe nothing to nobody and the house also has so many reminders of all the stressful times we have been through. New start all round.

I wish you and your family all the best
Lol Rachel

[coco]

Well the first night in B & B went ok, was a bit nervous at first as most of the people there are people who have been really unlucky in life and trying to rebuild it (most are middle aged men with absoulutley nothing i found this quite sad) as i still have my family. It feels strange as i had to pass the house to take my daughter to playschool this morning and next week I am on holiday for a week so it will be difficult having to try and entertain the kids in one room. Anyway apart from that it is still a step forward so still feeling very positive towards the future.

view my blog http://coco.blogs.iva.co.uk

[Skippy]

Hi Coco, sorry I didn't post yesterday. I just wanted to wish you all the best for the future, and I hope it's not too long before you find somewhere more permanent. Please keep posting to let us know how you are getting on.

Good luck, and take care x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[lily]

Coco

It must be hard for you right now, I feel for you and can imagine its quite scary but this is rock bottom now and you will be going up from here. Like you say there are many unfortunate souls who do not have a lovely family. I hope the time passes quickly and your new home comes soon. My thoughts are with you. Please keep posting your climb, everyone here is right behind you.

Stay positive

lily