That didn't work for me - my parents were very good with money, taught me the value of it, never had anything on credit - look where I ended up!!!!!!!!
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
The nation is in financial meltdown and the solution is to take money off the taxpayer to give to the banks so that they can lend it back to the same taxpayers with interest. On this basis the members of this forum, who were public spirited enough to borrow beyond their means, are entirely responsible for the nation's prosperity over the last decade. So don't feel bad about it, guys, we ought to be honoured for services to the nation!!!!
It's nice to see that something positive has come out of my IVA![: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
To me the whole problem Lies with whoever was in charge of our Financial System in the late 90's
and that man was none other than GORDON BROWN.
I remember walking into the ABBEY NATIONAL and getting a mortgage for a property and they would only lend me 3x my Salary and NO MORE.
Including a Deposit there were no 125% Mortgages Then.
Gordon Brown takes over the reigns and it goes completely crazy and now he is being made to be the Super Hero for trying to Bail us out of his own MESS using OUR!!! MONEY!!!!!.
WHAT A JOKE.
Next year will be a BUMPER YEAR for Insovency Practitioners and Debt Management Companies as there businesses will be inundated with new clients and they will be raking in all the fee's
Then we had NORMAN LAMONT as CHANCELLOR.
I think we can all relate to this thread, when i cut up my credit cards i felt a relief but also sadness that for the last 18years i have used them willy nilly when back in the 80's i was so better off, hey ho onwards and upwards now and back to how my grandparents lived. I thank god that i entered into an IVA the peace of mind it has given me and the worryless sleep has been worth it, 5 years of being frugal, great and afterwards well who knows, but one thing i do know, credit cards are a thing of the past for me, if i haven't got the money then i don't have it, simple. Good luck to all the newbies on this thread, i so hope you find the peace of mind that the rest of us have found.
15 down, 45 to go
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
