I Cant do This Anymore

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Sadsack

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Post by Sadsack » Thu Oct 18, 2007 11:51 am
Thanks all - it is a good feeling to know that you are out there when the going gets rough.

Last night was hard - being on my own and all I think about is debt and bankruptcy. Additional problems like finding somewhere suitable to live, being that I have animals, finding a private landlord as I really cannot come up with a huge deposit going through a rental agent. It all just adds to the stress.

I know we all go through these tough times and my problems are no better or worse than any others - I am not sleeping, not eating and now I am smoking again!!!

Ok - rant over!!

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
 
 

ray_a

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Post by ray_a » Thu Oct 18, 2007 1:19 pm
Hi Sue

I look back at myself 12 months ago and realise what you are going through personally and I know because I was there.

I suspect you are right and that the IVA may well fail!

Your IP might suggest selling your home and that would at least get some money into the IVA!

Given my experience I think it will be possible for us to make an argument for you to keep an amount for you to rebuild ie paying a deposit and a capital injection to rebuild your life by suggesting a variation to your IVA!

The most important thing to realise is that an IVA is fluid as well and I am sure we can all help!

Hope this helps and do come back if you want me to expand on my thinking on this! I am sure others will want to say something as well

Good Luck again
 
 

Sadsack

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Post by Sadsack » Thu Oct 18, 2007 1:33 pm
Hi Ray

Thank you for your support and kind words.

My IVA has already failed and I went BR at the beginning of this month!!!

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
 
 

mish1953

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Post by mish1953 » Thu Oct 18, 2007 1:45 pm
Sue
you know that im Br, going to lose my house , am a full time single dad and slightly demented :-)
Oh and in Ipswich ..

If you fancy a natter drop me a line and I'll email my phone num to you -- or email your num to me and I'll phone tonight ..landline 'cos its free ! Do it thru facebook message

PS I dont understand golf !

Slainte
Mish
Early Discharge is not an illness !
 
 

ray_a

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Post by ray_a » Thu Oct 18, 2007 3:34 pm
Sue

Are you alright to get a deposit for your rented property?
 
 

Adam Davies

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Post by Adam Davies » Thu Oct 18, 2007 3:51 pm
Sue
Can you make it down to Reading on the 12th ?
Maybe an evening out amongst friends who totally understand your situation will make you feel better.
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
Andam Davies
 
 

zoe

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Post by zoe » Thu Oct 18, 2007 4:52 pm
Sue
I hope you are feeling better today - sorry i have just seen your post
we are all here for you
xxx

Zoe
x
Keep your chin up - everything happens for a reason!
View my blog http://zoes.blogs.iva.co.uk/
 
 

Sadsack

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Post by Sadsack » Thu Oct 18, 2007 4:59 pm
Hi Andy

Thank you for invite - it is nigh on impossible as its a 360 mile round trip for me!!!

Ray

I have stopped paying my mortgage (first time I have EVER done that) to try and save up some money for the deposit.

Zoe

Thanks for the kind words

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
 
 

jasperyogi

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Post by jasperyogi » Thu Oct 18, 2007 11:07 pm
Hi sue,
I am so sorry to hear you feeling low at the mo. Please hang in there. I live in norwich if ever you fancy a day with someone who is a good listener and absolutely crazy....well you have to be to live here[;)]
take care ok
thinking of you
luv ali

Why spend life worrying...when you can spend it smiling!!
Why spend life worrying...when you can spend it smiling!!
 
 

scaredkez

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Post by scaredkez » Thu Oct 18, 2007 11:18 pm
hi sue, wasn't on last night sorry to hear your feeling down in the dumps is there anything we can do? hope you are feeling better today, i know its a very bumpy road BR, but you will get there, its not easy and there are days when you think what the hell have i done, but always here for you when you need us.
chin up
love kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
 
 

mike.s

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Post by mike.s » Fri Oct 19, 2007 8:43 pm
Ohhh Sue,
So sorry to hear you are down at the moment, how are you feeling today? So sorry for not getting back to you sooner, only really just finding my way around the forum. Since finding this forum I am feeling so much about myself and the future and it is down to you and everyone else on here who have been so kind to me, with help, advice, a shoulder to cry on, or just to listen when I need to pour my heart out. You have had such a huge influence on my new found positive outlook and hope for the future, I don't know what I would have done without your kind and supportive words. It is great to know you are out there and one thing I have learnt is that with the friends on this forum you will never ever be alone, there is no need to be so don't face things alone, let us all help and support you. I know what you mean about keeping things from family, and shouldering it all yourself. I have borrowed so much money from my parents, and they have helped so much that I will never be able to repay them. But life is not always about money, it just isn't. Every Christmas my parents come round and we have a great time, New Year's Eve is just such a silly and wondeful time. I guess what I'm trying to say is that although I can't pay them back in money, we share some great times as a family (now after putting a long past behind us) and that means more than anything money can buy. I have very recently told my mum and dad, not everything but enough, of what is going on, guess what I think they already knew. They don't need to know everything, what would be the point? but I wanted to let them know that things weren't great at the moment, but I was now facing things and doing everything I could to sort it all out. this was a great releif for them I could tell, because up until then, they could only guess about the full extent of my problems. Now they know enough for them to have a little piece of mind, family understand more than you think, as I am myself just finding out. Hey and don't forget that inner strength we once talked about!! It is a wonderful thing that will always get us through the most part, and then there are family and this forum to help with rest. Hope you are feeling better today Sue.
Luv and best wishes, Mike xx
 
 

fudge34

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Post by fudge34 » Fri Oct 19, 2007 8:52 pm
Come on now sadsack you are the most positive person I have read on these forums - take a deep breath and say to yourself I WILL GET THROUGH THIS you will and you will be a stronger person by the end of it - OK positive speech over for now all i can send you is a virtual glass of wine and some chocolate thinking of you and hope you feel a bit better today. I know BR is hard, I am up one minute and then down the next but you will get there just keep going x
 
 

Soulgrowth

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Post by Soulgrowth » Fri Oct 19, 2007 10:45 pm
Hope you're feeling better today Sue

Debbie x

www.babynamings.co.uk

www.soulgrowth.co.uk
Debbie
 
 

Sadsack

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Post by Sadsack » Fri Oct 19, 2007 11:26 pm
I do feel better everyone - thank you for all your support.

5 gold Stars for the forum!!!!

Mind you - a leg of mutton is all it takes!!!!!!

Sue

Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
Ho Hum! Think I'll bang my drum!

Read My Blog
http://sadsack.blogs.iva.co.uk/
 
 

mish1953

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Post by mish1953 » Fri Oct 19, 2007 11:54 pm
Great - Im glad that your feeling better -- are you going to get a round in this w/end ?

Mish
Early Discharge is not an illness !
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