new iva proposal: for 30th July at 12.00

[chelseachick]

Hi All

just wanted to say thankyou for all you comments on this website. It has given me a light at the end of the tunnel. Until you come on here you think that you are all by yourself.

I have sent my proposal off and my creditors meeting is on the 30th July at 12.00. Think that this is going to be the longest 19 days of my life>

I have managed to pay everyone up until now. Have been robbing peter to pay Paul then Paul to pay Peter and in the end neither of them could help anymore... got myself in a state and hid my head under a pillow and hoped it would go away . I have had a bad back and been off work for 8 months which has not helped. Not until I went to the doctors and he put me on some anti-depressants did I realise I needed to do something.
So I sat down and wrote all my debts down - (Bl**dy He**) I did not realise that I owed nearly £80K..... that really hit home. My parents said that they would borrow some money and lend it to me but I did not want that responsibility - What if something happened to my job! - .. decided to go to the IVA process.

MY proposal is £37p/£ and I owe Natwest,Egg,Barclaycard,capital one,citi,littlewoods club,studio club,choice club.

Fingers crossed for the 30th

[hara]

I feel it is a good offer and I feel it has a very good chance of being accepted

Good luck

hara.