Just wanted to say hello

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lukeofyorkshire

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Post by lukeofyorkshire » Wed Feb 03, 2010 7:44 am
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Hi all. Just found this place via Google while bored at work lol and have to say wish I had discovered it a long time ago, especially during the long months of hell before I got my IVA!

I hope to share many of my experiences and hopefully learn a lot of things as well.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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Pennyless

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Post by Pennyless » Wed Feb 03, 2010 8:03 am
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Morning luke and welcome to the forum I'm sure you'll be able to help others as well as receive some great advice on your IVA journey.....a lot of good people on here who are always ready to help and advise.
I came into this world with nothing and still have most of it left!
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lukeofyorkshire

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Post by lukeofyorkshire » Wed Feb 03, 2010 8:06 am
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Hey Penny thanks for the welcome. Yeah I've already learnt some great things and it's good to know I'm not alone.

It's hard for my family and friends to know how hard it is and how lonely sometimes.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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Pennyless

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Post by Pennyless » Wed Feb 03, 2010 8:14 am
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Agreed Luke. Some of us have poured our heart out on these forums because "debt" is such a lonely place to be......after all its not something we can readily admit to our friends and families.....but you will soon find that theres many others in the same position who are non-judgemental and will help you.

Theres also many experts frequent these boards at all times of night, day and weekends so your never more then a few hours away from any answers or advice.
Last edited by Pennyless on Wed Feb 03, 2010 8:15 am, edited 1 time in total.
I came into this world with nothing and still have most of it left!
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kallis3

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Post by kallis3 » Wed Feb 03, 2010 8:21 am
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Welcome from me as well Luke. Glad your IVA seems to be going well.

We're a friendly bunch on here, always available with advice and support.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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lukeofyorkshire

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Post by lukeofyorkshire » Wed Feb 03, 2010 8:30 am
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I honest to god don't know how I have survived and managed to never have a serious problem making the payments (I was 50p short one month though because of a bill and the Standing Order for my IVA was rejected and it cost me £19.50 in Bank Charges doh!!)

This place is heaven sent and everyone is so friendly. I just hope I can offer advice to help others given my experiences.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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kallis3

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Post by kallis3 » Wed Feb 03, 2010 8:33 am
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I'm sure you can.

Bummer about the bank charges though!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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lukeofyorkshire

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Post by lukeofyorkshire » Wed Feb 03, 2010 8:34 am
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Tell me about it! A grown man of 30 and I nearly cried haha.
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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kallis3

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Post by kallis3 » Wed Feb 03, 2010 8:39 am
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I'd have been suicidal I think![:D]
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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lukeofyorkshire

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Post by lukeofyorkshire » Wed Feb 03, 2010 8:42 am
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Haha well my Dad just said to me 'Be a man, suck it up ya big Jesse!!!'
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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Declan at DebtFreeDirect

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Post by Declan at DebtFreeDirect » Wed Feb 03, 2010 10:05 am
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Welcome to the forum Luke and I hope you find it of benefit.

Thanks
Declan Murray
Debt Advisor
Debt Free Direct - the UK's largest IVA provider.
http://www.debtfreedirect.co.uk/iva/
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steppingstones

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Post by steppingstones » Wed Feb 03, 2010 11:27 am
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Hi Luke and welcome to the forums. This place had been an absolute godsend to me on my journey so far.
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lukeofyorkshire

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Post by lukeofyorkshire » Wed Feb 03, 2010 11:29 am
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Thanks both. Yeah I'm just gutted it took me so long to find!
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
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Julie

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Post by Julie » Wed Feb 03, 2010 12:11 pm
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Hi Luke and welcome from me too....glad you've found as ( better late than never) [:D]

I'm sure your experience will help others. xx
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Michael Peoples

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Post by Michael Peoples » Wed Feb 03, 2010 12:11 pm
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Hi Luke and welcome from me too.
Hopefully the forum will be helpful from now on as five years is a long time.
Michael Peoples | McCambridge Duffy Insolvency Practitioners
http://www.mccambridgeduffy.com
If you would like to talk to me about proposing an IVA or have any questions at all please visit www.mccambridgeduffy.com
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