New Relationships

[SharonR]

LOL!!!

[Skippy]

[:D]

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[Adam Davies]

Hi
LOL,doesn't beat the snooker with a rope joke though !!

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[olympic_torch]

Its no joke i can tell you ![:)]

Aucto Splendore Resurgo.
(8 down, 52 to go)

[Maz]

I must say these posts have cheered me up!!! It started off so serious that I felt so sad but it is true what Dots says - it's not easy being in this debt situation and tyring to start new relationship. Then when I read the replies especially from Mish i could not stop laughing [:D]

[jaspersgirl2]

I have just started a new relationship with a fabulous man. I we started chatting about ££ and moving in together in the future....even to the point of looking at houses together..online not actually looking around them..yet!
I just want to say that I too found the whole IVA thing very daunting and thought it would put potential partners off but I told him yesterday and so far so good!! He isnt bothered about it and seems to think ive done really well seeing as i dont get any maintenance from my 14yr old son's dad..and i hold down a professional careern and own my house..well along with birmingham midshires of course.

so....i suppose just like having children...having an IVA is good indicator as to whether someone is put off you by this factor. My bf said that he wasnt THAT shallow to leave me or think any differently after i shared this piece of info.

We will just have to see how things go..but at the min im having a great time with my bf....found on the internet too..!!

Good luck to all out there who are thinking of braving it...i mean telling partner re IVA..or internet dating for that matter!

Sal

[aguise]

Hi Sal
and welcome to the forum.
Thats really nice to hear your good news, and reassuring for others nervous of telling partners or family .
All the best to you.

Ang



Please visit my blog at http://aguise.blogs.iva.co.uk/

[jaspersgirl2]

thanx Ang

No its not easy...when I told my sister it appears her step son has an IVA too...so she already knew all about them before I did.

The thing is you never know anyones financial situation and like my new bf says...really it's none of his business. I told him so he had the option to get out early....sad thought I know seeing as he's such a lovely guy. He's a sensible man and knows whats good for him I assume.

My debts mounted up...I didnt want to lose my house so the IVA was the only option really. I am a midwife so I do get paid a good wage...and a good job too.

I lost my dad to suicide in October so things have been pretty bad around here but my new bf is wonderful.

So I guess life is good at the min...just hope I can sort a full and final out for my IVA buts that another story.

Sal

[caraf]

Hi Jaspersgirl2
A Big hello and welcome to the forum, there is a wealth of knowledge on this site isnt there !
Well done for confiding in your new boyfriend I know it couldnt have been easy. But he knows now.
How long have you been in your iva ?? how are you finding it ??

[jaspersgirl2]

My IVA started in March 2006..and its been ok..apart from them making a mistake in my 1st yr and i was paying £500 instead of £410. Now im paying £350 but thats a bit too much now so I've asked for a reduction to £300 so we will see when its reviewed next month.

Apart from not having a credit or debit card ..as its convenient to pay for things online...the IVA is going ok...altho my mortgage has gone up a few times making things hard.

Family are fab too as they know the situation.

Sal

[caraf]

Brilliant News.
My iva was approved on the 27th December 2007.
My family (my husband and 2 daughters) all know too, and they are aware that we now have budgets to work too. I have just done excel spreadsheets to Christmas 2008, and providing we keep to our budgets everything looks ok. We even might be able to squeeze in a cheap holiday. After all it is my doing we are in this mess and I dont want them to suffer for it.

[chris2202]

Hi All,

I'm relatively new to this forum and can't say enough good things about it. It's so informative....I'd felt so alone before. It's so good to share experiences, not to mention read up on all the great advise.

It's funny how money problems and IVAs so often go hand in hand with relationship break ups.

I met my new BF about six months before my IVA started. My finances were in a mess....obviously (!) but somehow I managed to conceal that fact and just have fun in our early days together.

Once the IVA was accepted, I wanted to be honest about my finances so I told him everything and gave him an easy get out clause. He was amazingly supportive and non judgemental and couldn't believe I'd been through all the stress and turmoil alone.

I think an IVA shouldn't prevent you from having a life or a new relationship. I do think you need to be honest though once things start to progress. I think that's the hardest part, knowing when the best time is to broach the subject.

Anyway good luck to everyone on this site. I wish you all the best of life and love...I'm a bit soppy like that!

Chris