just starting

[michael.t47]

hi all, just spoke to to tina again and feel so much better
just cancelled all my direct debits.
starting on the road that a lot of you have already travelled
hope it all works out well

[Shining]

All the best to you and I'm sure you'll be fine if you're going with Melanie. Each step brings a new relief until the final acceptance day.

[michael.t47]

thanks lesley
i actually feel so much better now
they dd are all cancelled
be just the letters an phone calls to deal with now i suppose
i had never missed a payment but it all just became so much

[facingittogether]

good luck michael!

you wont look back!

barb x

[michael.t47]

i hope so
been reading this forum and contributing since last month when i 1st faced up to all this debt
looking to learn how to budget again
where in the world did i lose that ability?

[Viki.W]

Ah good luck Michael, you'll be in good hands. The phone calls probably won't start yet so don't worry. I know what you mean about budgeting, But the main thing is you will never be reliant on credit again. Good luck, keep posting. Viki X

[Shining]

I'm sure the phone calls and letters will start but keep calm and just repeat to each one, that you're applying for an IVA and your Insolvency Practitioner is **** and you are at the stage of ... I became quite professional in my telephone manner to creditors. If they became rude to me or threatening, I would tell them I was going to terminate their call. All letters bundle up once a week and send to your IP. I also wrote to my creditors every 4 weeks and sent copies to my IP for reference, the letter informed my creditors the various stages of my proposal being put together to when the meeting was actually being held etc.,

[Beans on Toast]

Sounds like a lot of other people on here Michael, we too made all our payments until just before our proposal, it felt weird not paying, almost guilty, but it's the done way to show you are not favouring any of your creditors.

The plus side is, we didn't recieve half as many phone calls as other people have had, some actually only got in touch to say they were aware we were in an IVA.

Well done for making the decision to tackle your debts before your life is ruined, good luck.

[michael.t47]

thanks viki
you know i never missed a payment, then cards started getting cancelled
limits being reduced
thank god they did otherwise i would have been carrying on regardless
anybody got tips on preypayment cards?

[Viki.W]

There is a whole thread on them I think, type it into the search and have a look. Viki X

[michael.t47]

thanks viki
please support donny rovers on sun, i wil be there too

[Viki.W]

Michael......I've no idea what you just said!!!!!!!!

[Beans on Toast]

I am supporting you in your IVA quest but my loyalty lies with the mighty whites on sunday. A pity donny couldn't have held on to second place then a chance for two Yorkshire teams to go up!![:)]

[michael.t47]

beans you are right
i was gutted on last day of season
will you be at wembley sun?
i got a freebie ticket
viki i was talking about football
i supporting chelsea tonight too

[Beans on Toast]

Backing Chelsea tonight, not going Sunday, first bank holiday weekend I've had off in years, will watch match but having a bit of family time.
Have a great day - donny playing some good footy at moment.