Hubert
Imagine millions of profiles all on a machine with a predictive database over the last 10 years. They knew you'd fall BR or IVA, probably at least a year or two before you did. But as they did with me, kept jacking up that interest rate, knowing almost to the month, I expect, when my time is up!
Do I feel sorry for them, no not really. I feel sorry for me, for struggling on month after month, knowing that there would be a terminal end but not wanting to face it. Fight to clear a month, then start all over dreading the next clack of the letter box and a second later, THFWAP, the next bill hits the floor, remember how that feels, eeughh
In fact, I took the view that they were there to be beaten and I would beat them and I did. Why, just because they knew and didn't tell me, or at least try to help.. They just skinned me alive instead..
Sooo I got an IVA, bye bye smelly bad people at credit cards centers. I didn’t feel bad at all, the opposite in fact, elated for sure, but at the same time a little angry to, which would manifest itself later.
Far from hiding it, I told everyone and helped a few along the IVA path, more have bad debt than I thought I knew. Most of what you might think is looking down on you, is called envy.. You found a way out, well done!
That was 7 near 8 years ago. To my surprise when it's all over, that's when the weird stuff happens. Me what did I dooooooo, I came on here and tried to pick a fight with Melanie.. (she's forgiven me) Maybe I felt I had to try beat an IP too, who knows, angry I was.
For me, my IVA profoundly changed the way I live and think today, the extent of its effect, is longer than even it knows!
