lets do it

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scaredkez

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Post by scaredkez » Thu Jan 25, 2007 12:05 am
tonight my hubby home, he has been so worried about me all week we have talked and talked about our situation, i am holdimg on to all threads and he said lets do it we can't go on like this any more, i really don't won't to go BR but its the last thread i cling to, i have nothing and so does he we can't go on living this life anymore i cry and cry our house is beautiful but its bricks and mortar we have to start again, i want to do a DMP for a couple of months but he sees how weary i have become with phone calls from creditors we have nothing else to lose, i once was a strong person but not anymore good luck to all those who are going for realistic iva's and wish it was me
kerri
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freelili

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Post by freelili » Thu Jan 25, 2007 1:32 am
Kerri, please dont be thinking youre not strong, I care and I want you to be OK.

That house is only a home cause you live there with hubby and kids. You will have a home again, you need to do this, get out of this mess, before it destroys you, hubby is right. I am so sorry Kerri I really am, you are exhausted and I can understand that you really want to cling on. Cry and sob for what you know you have lost, you need to, lean on Hubby and let him help you.
I am doing the same as I take my moms house apart in order to sell it, every bit of me wants to keep it because I feel close to her there.

Please post and let us know how you are doing, we all care and are routing for you, letting go when you cannot hold on is not a weakness you are just grieving your loss.

Loads of love, I am concerned that your post sounds so final.

LILY
Last edited by freelili on Thu Jan 25, 2007 1:40 am, edited 1 time in total.
LILY

http://freelili.blogs.iva.co.uk

I asked God for an answer, I have to live with his reply.
Exsisto an angelus quod planto quispiam sentio melior.
 
 

gizmo

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Post by gizmo » Thu Jan 25, 2007 9:22 am
Kerri
Hang on in there - have you spoken to anyone yet about setting up a DMP? A reputable company may well be able to take the pressure off you from the creditors - I have been there and know what it is like - its constant hounding and fear of the letterbox and telephone and who may be walking up the drive. I didn't think I would ever be able to have my mobile phone on anything other than silent as it would just be constant chase up calls from creditors all the time. In the end i changed both my home and mobile number so they couldn't get me. I get all sorts of postcards - paticularly from MBNA saying they are sending someone to see me but no-one has yet arrived and if they do I'll tell them to get stuffed and get off my property! I was served personally with a statutory demand but he was very nice about it. I think what I'm trying to say is I'm sure that there is a debt management company out there who is reputable who could help you with a DMP even if it is to give you breathing space before trying again for an IVA. I think Thomas Charles can do this - they have been helping me with my IVA and have been v good. hang on in there - the dark days do pass and you can get through it.
 
 

scaredkez

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Post by scaredkez » Thu Jan 25, 2007 9:44 am
thank you both, i am with myvesta so everything i pay to them goes straight to creditors, northern rock will not entertain the DMP and i am still paying them so the other creditors are going to see that as preferential, the whole thing is affecting my life, i don't want to get up of a morning and go to work, i just feel that if we don't put a closure on it i will end up losing my job anyway, when we lose the house it means i have to move away from my parents because there are very few rentals in this area and the ones that do come up are far more than the mortgage we pay now, i was feeling very sorry for myself last night i suppose its only natural, i got 5 phone calls in 15 minutes, i feel like a stuck record repeating the same thing over and over again, i do worry in case someone turns up and i know i can tell them to leave but its how i will react if it really happens, as i said i want to try everything but i realsie my husband is right we do need to put a closure on this.
kerri
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
 
 

Skippy

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Post by Skippy » Thu Jan 25, 2007 11:56 am
Oh Kerri, I am so sorry. I wish that there was something that I could say or do to help you. I am thinking of you though, and I really hope that you get things sorted out soon.

As you say, your house is bricks and morter - it's what you put into a house that makes it a home. Wherever you live it will be you and your husband and children who make it a home. I know it's easy for me to say that, and I hope you don't think I'm being flippant.

You do need closure - you will be ill if you carry on as you are. Your health and eventual happiness is worth so much more than money. You have friends here, and we are with you all the way xxx

Three down, fifty seven to go until freedom!
 
 

freelili

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Post by freelili » Thu Jan 25, 2007 12:26 pm
I am sorry too and I hope I didnt say anything last night that I shouldnt have. My thinking is, if northern rock will not accept an IVA they wouldnt accept a DMP, the latter does not protect you legally from anything. An Iva was your only chance. I could sort of feel your desperation, stress and it just seems futule to hang on, I may be wrong. letting go is so painful and incredibly scary, I understand that, losing what you built, what you know. Its a terrible situation I have cried for you, I wish I could say something to help. I also agree with skippy and fear for your health.

I am sorry Kerri good luck to all of you

LILY
LILY

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I asked God for an answer, I have to live with his reply.
Exsisto an angelus quod planto quispiam sentio melior.
 
 

scaredkez

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Post by scaredkez » Thu Jan 25, 2007 12:51 pm
thank you to the both of you, nobody has said anything they shouldn't have, i really do need to bring closure, had an argument with NR today so that didn't help, they promised me a reduced mortgage payment this month and a payment holiday next month as long as i paid the reduced payment b4 the 30th jan, so i phoned up to do it today and they refused the holiday payment, i argued that they had agreed to do this for me as they wouldn't except the DMP, they said they never and would listen back to the conversatin which took place on the 9th i said thats fine i will listen with you to cut a long story short they backed down and have given me the payment holiday, so that made me feel better, then i got a letter off the new job and have made it to the 2nd stage which is a couple of assessment tests on the 8th Feb so will have to hold off on BR now as its with the local government but it will mean i earn a lot more then maybe do another iva proposal, its been a topsy turvy day and keeping fingers crossed maybe this is the turning point i need, my health is suffering and it gets confusing when things change on a day to day basis like today and the job letter, so we have agreed to hold off another month and i will try and think a bit more positive and not answer anymore calls, decided to leave printer on as its a fax machine too so after 5 rings it goes to fax and then i can do 1471 and see if its a call i want to take.
thank you for your care and thoughts i just wish this nightmare was over, thinking positive.
kerri
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
 
 

Dominic

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Post by Dominic » Thu Jan 25, 2007 8:06 pm
Kerri best of luck wit the interview, focus on the job it is yours and yours alone.
 
 

DebtDummy

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Post by DebtDummy » Thu Jan 25, 2007 8:15 pm
Kez, my heart goes out to you. You and your hubby must feel like hamsters on one of those exercise wheels. Also, your IVA event did absolutely nothing to allow you and hubby to feel better. Did it? Life has a way of sneaking up on us and kicking us right up the posterior when we least expect it. And when it does, it gives up pause to sit, cry and reflect on our lives. A chance to question our values. A chance to think about what's important to us as women, mothers and wives.

We as women set the tone in a home. This is what turns the mortar and brick into a warm loving atmosphere for the rearing of children;and the pleasure of DIY for your hubby and maybe yourself. This is what makes it so difficult in declaring a bankruptcy.

It's as though some evil entity is declaring war on your home, your territory, your family. Okay, so we don the war gear and get our weapons (IVAs) and hope and pray we can defeat the enemy.

Goodness, we fight! Boy do we fight! We dodge Atilla The Hun (bailliffs). We do our war cries to the opposition (debt collectors). We put healing salve on the enemies treaties (spit on the creditors post). And we do this with gusto and pride. We then we lay our heads down at night attempting to get some much needed sleep. Only to find ourselves sleeping fitfully from trying to think up ways to outsmart the enemy. And then morning arrives and we are up to fight another day.

You have fought a good fight my sister-in-debt. Your husband and your children shall sing your praises and tell of your tales for many years to come. You have gained your medals (love from your hubby and children).

Is that not why you fought and suffered? To make them happy? To maintain the very shelter over them? That which we refer to as bricks and mortar? Cry your tears, and lament your losses. Mourn the potential lose of the family nest. Goodness knows I do. It hurts.

It hurts because it meant so much to you. It hurts because you will always look back and remember 'that' home and 'that' certain special memory in 'that' home.
So, I say mourn that loss. Grieve, stomp your feet on the steps and pound the walls! Until...when you ask? Until you have come to that place of acceptance within yourself about lossing your home.

But please remember my sister-in-debt, home is where the heart is. And your heart is with your family. So, does it matter where you live as long as your all together,relaxed and happy? No, not really. Of course you will miss your mother. It's only natural when there is a loving mother-daughter relationship. So, I say IF that moment arrives, cry over that loss as well.

Try and be of good cheer and be prepared to fight yet another day.

Anytime you need to polish your helmet let me know (smile). I have loads of the stuff.

Good luck with your employment!


All I have left is my humour. :)
All I have left is my humour. :)

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gizmo

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Post by gizmo » Thu Jan 25, 2007 9:10 pm
You are so right debt dummy! I have to say your post cheered me up - especially the Atilla the Hun part! That is what it feels like. I feel like I'm on a rollercoaster at the minute until the adjourned meeting resumes on Monday - I'm up then down and all over the place! But we still get up, dig deep and carry on. I look back and often wonder how I have but i think you don't realise what strength you have until you need it - there are times I feel so very tired with it all, and pick myself up again but it is so hard. I so hope Kerri you get this job - my sister said to me the other day did I think I would at some point be able to look back at this time in our lives and think "did i really get through that?" and laugh about some of the manic times. I really hope I can and that everyone else going through this process can as well. Hang on in there - we will win the war!
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