Thanks ggr. To be honest I think I have come out of this a better person (Dave might disagree!) - I value things more for what they mean than what they are worth or how much they cost. I'm also more relaxed, and although I'm not wealthy by any stretch of the imagination I can afford to pay my way, which means that Dave and I can move. This is something that he has wanted to do for a long while but he was really supporting me. We can now do it, and I don't feel as if I'm holding him back any more.
You will get through this ggr. I can still remember how nervous I felt waiting for my IVA proposal to be approved, and also while I was waiting to go to court for my bankruptcy. There is light at the end of the tunnel as you have faced up to your debts which is the first step. Remember, when you are speaking to someone on the phone, they don't have any say in whether your proposal is accepted, even if they say they do. They are in a call centre, and in some ways I feel sorry for them as I worked in a call centre once (incoming calls, not debt recovery) and it was the worst job I've ever had - I was shouted at and threatened and I'd rather sign on than do that again!
Good luck with your IVA, and please keep posting even if it's for a chat or a moan about anything. I've had a lot of support from the people on the forum - I read a lot of forums and this is by far the most friendly!
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/
