On the plus side as well - I have made so many new friends by posting on here!! Some I have met and others are friends on Facebook and I hope to meet them at a future FF.
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 can relate to what you have written. It's a real rollercoaster of emotions, and stress/anxiety/panic/trepidation ebbs and flows. I'm living on my nerves waiting to see whether my F&F offer will be accepted following Redundancy. I'm in limbo; very tearful; can't eat etc. My health is poor, with little improvement in my mental health since leaving work. I want to pay my debts and move on, but feel I can't
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
Dont think anyone would begrudge you celebrating your final payment on these boards....after all we shouldn't just share the bad times lol and its great to see others getting to the end....seeing others complete their IVA by going full term or even F & F certainly gives me hope that there is an end to the IVA.
Kallis I too look on the IVA as no differant to a loan to be re-paid and similar to you I only wish instead of drowning in debt and robbing Peter to Pay Barclaycard, I had done this much sooner. My problem was being too proud and near arrogant that I could solve this problem myself.....which I couldn't. I needed proffessional help and believe me speaking to Size5 & Tina was the best thing I have done in recent years. The actual assistance, advice, mental relief that IP's and their assistants provide should never be understated. In my case I will never be able to thank my IVA staff enough for giving me the hope and solution to my stupidity and previous lack of control over my finances!
They say a problem shared & all that....well in my case it definately rang true.
Last edited by Pennyless on Sat Apr 14, 2012 10:01 am, edited 1 time in total.
I came into this world with nothing and still have most of it left!
It has opened up a whole new friendship group for me too and being in an IVA I am able to speak freely on here about it, whereas with others and my family I have to live in my pretend world.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I'm just coming to the end of Year 1, and, right now I don't see it as a 'prison sentence'. Like others, I wish I'd done it sooner, but when I was driving to work the other day with the radio on it was mentioned that the song they'd just played was 5 yrs old, and I thought 'wow, that only seems like last year when I first heard that' and I realised that 5 years can pass without it seeming like forever.
I too am facing job uncertainty at the end of this year, but what ever happens I'd have been in a much bigger mess without my IVA.
I've spent this last 12 months learning how to be 'thrifty', and yes, I've had to think twice before having the odd treat, but it's not been the end of the world, and to be honest I've felt quite pleased with myself knowing that I am capable of managing with what I've got.
It's nice to be important, but more important to be nice!
I see my IVA as a blessing, only 2 payments made but I can sleep now! I worry about what will happen in future but it has to be brighter than the future I had 6 months ago. The mess is my mess and I appreciate the 2nd chance I have been given. [:I]I just pray I can keep it a secret for 5/6 years No one knows except this forum without which (and Mels team) I couldn't have coped!
