Dear Mel,wow! thankyou feels so inadequate. we received our completion certificate this morning!!!!! thankyou so much for all your hard work involved in helping us.
we had hopes that it'd arrive next week,but you've got it too us today, so,what a week we've had - our silver wedding anniversary AND the completion certificate! a week we certainly won't forget,ever,thankyou from the 2 of us,big hug.
so that's it now?? nothing more?? we know about the credit scoring(i'm in no hurry on that front as we're going to be some time paying my parents back),the creditors can't pursue us any more now can they?
i rang my dad & told him,he said,"blimey,your IP was good!". he said he was pleased& that i should stop worrying now and that he loved me very,very much,he made my eyes fill.
we felt so pleased we wanted to tell everyone which is daft because only my parents and our 2 friends(a married couple)know![:)] so,here i am,sharing it with you guy's,all at different stages,all been there& got the t-shirt eh? there have been times when i've felt so physically ill with all the stress,a upset tummy,rashes,panic attacks,my heart problem kicking in with the stress,nightmares when i did sleep,so many nights when i couldn't sleep,it was awful. BUT things are better,yes we have a way to go paying mum&dad, but good's come out of this too - I'VE GOT CASH EVERY SINGLE WEEK IN MY PURSE FOR FOOD,that is HUGE. we are operating on the budget Tina gave us for food,fuel etc.
my hubby's attitude to money has gone full circle now - it's quite startling in a good way.
i will never forget how terrified i was the day it "hit" me that there was a problem,i'd ordered something on line,hubby & i were lazing in bed,the phone rang. the man told me there was a problem with my card,tried again to pay over the phone - i will never forget the look of horror on my husbands face,my blood ran cold. never,in my worst nightmare would i have believed we could be in such a mess.
my parents stepped in putting forward £ to do a Full& Final IVA, it has been hard,i feel very uncomfortable owing them money,it's caused me a lot of anxiety but without their help we'd have had to go BR.
thankyou all so very,very much,especially regulars like Kall,Bol,Lesley and the many others whose names escape me right now. to the IP's who post. the emotional support has been just as important as the practical,thankyou all,you've made a difference to us.
a extra thankyou to Mel,our IP for her expertise&cool head, to Tina- a star who spoke to us like people not a file,to Claire& Daryl - who had patience with us and finally Liz who chased HMR&C enabling Mel to get this closed off for our Silver wedding anniversary!
to anyone new reading,the biggest thing is admitting you've got problems with debt - take your head out of the sand,you can get help and things can get better,you're not alone.
Mel once again,thankyou so very much,life can move forward again now,
warmest regards,
Mr & Mrs Rosepetal xx
Nothing stays the same...everything changes..hang on in there!
