I am looking at taking out an IVA but I am so scared and at times suicidal about my position.

[Denise.gn]

Thank you. I have heard nothing but good things about her and wish I had spent my time today speaking to her or one of her team rather than wasting it speaking to others who have just confused me and upped my anxiety. I appreciate everyones case is different, but its just so frustrating that I am trying to sort this huge problem out, and am not my usual clear thinking self at present. Need to get a grip

[MelanieGiles]

Denise, I, Tina or Kelly are all on hand for you to speak to us when you are ready.

[Denise.gn]

Thank you Melanie, I am going to speak to you as soon as I can get a block of time to myself, uninterrupted. I do feel better for hearing the positive things people have been saying about you on this forum and the comments you have posted. As soon as I can speak to you securely, yours will be the first and only number I ring. D

[Denise.gn]

Desperate. Tried to secure some time today to speak to Melanie but fell through. Currently at home for a few weeks recovering from minor OP. Would be easier if I was in work, so that I could find somewhere quiet and make the call. Feel absolutely desperate and despondent today and cant see a way out of this. Sorry, not a positive message, and feel angry at myself for posting it, but just don't know what else to do.

[Shining]

Don't feel angry at yourself for posting anything we're here and some of us have been in a bad place with debt and also felt lost. Hopefully next week early on you can reserve a little while to chat to Melanie or one of her team.

[Denise.gn]

Thanks Lesley. This is just not like me. But I cant see a way out of this at present. All I want to do is pay my debts off and keep my house. Some could say that I got myself into this mess and should have thought of that when I was using the credit cards, but its easier said than done. I feel ashamed, angry with myself and just want to get this sorted but the very reason why I want to get this sorted, is stopping me at present from making that call. I just feel so angry and frustrated, and frightened.

[Shining]

We've all done it Denise, i'm 51 and only just come out my IVA with negative equity...where am I going no idea, but I'm happy. I've completed 60 monthly payments into my IVA with Melanie awaiting my certificate of completion and then I'll decide what to do. There will be a solution for you I promise, whatever it may be and Melanie can advise on all. x

[Denise.gn]

Thanks Lesley, I am just so frustrated as feel like I am caught in a trap of having equity in my home but not being able to release it in order to pay my debts off, and probably not qualifying for an IVA because I have equity. I am really going to try and not think about things this weekend and give myself a break. Otherwise I know I am going to drive myself mad or make myself ill, and then my mum will definitely know something is up. Very difficult but I am going to have to put my brave face on and then come up with a plan to try and make the call next week. I just hate feeling like this.

[Rich]

Denise
things wont improve until you pick up the phone. You are making things worse for yourself by delaying things. Mel and her team are fantastic, along with all the other IPs that post on here. Im sure that once the call is made the pressure will be less for you and you can start thinking of a way forward. We have all had to do this and totally understand how difficult it is. I did it without my wife even knowing at first. I had to do something. Find the time Denise and you will feel so much better, Rich xx

[Rich]

if you would like to talk with someone on a 1 to 1 basis rather than a IP then I would be happy to speak with you, if its ok with the forum admin

[Denise.gn]

Thanks Rich, that would be great. My situation at present is that I am recovering from surgery - (all ok and recovering well) - but at home for a few weeks and my mum is at home all the time, so if I am on the phone, she will come up and find out who I am talking to. Its making me really depressed and agitated, as I just want to sort it out. I know the help is out there, its just frustrating that at present all I can do is make enquires online. I need to come up with a strategy for early next week, and that would def include talking to you. I know I would find that so useful and supportive.

[Rich]

I'm More than happy to chat Denise just let me know
when your ready. Until then don't worry it will all be sorted x

[Denise.gn]

Thanks Rich, how can I get in touch with you? Appreciate you wont want to post your telephone number online, can I contact you via an email address first>

[Rich]

You can ad me as a frugal friend and we can then take it from there x

[Denise.gn]

HI Rich, have tried to add you but it doesn't seem to work - how do you do this? D