Stopping payments

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MelanieGiles

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Post by MelanieGiles » Mon Oct 29, 2007 9:48 pm
Debbie

What on earth has having a few debts got to do with you starting a new relationship??? And you are actually doing something about them rather than ignoring them. I watched your videos on IVA TV over the weekend and was struck at how lovely a person you are, full of good ideas and support and advice for others. This needs to be shared, and not bottled up because you feel a failure. That poor man now probably thinks that you have given him the brush off, and he is probably wondering why?

You work in such a difficult area (I thought my career was stressful!) and are constantly having to deal with families in despair and pain, but manage to keep cheerful and always have a kind word to say about your fellow posters on the forum. I imagine you take a very practical and common sense approach to most issues you face, but when it involves us personally we do tend to neglect ourselves. I, for instance, am hopeless at doing my own accounts, and actually pay for an external accountant to do them. Crazy!!!!

Find an excuse to call that man tomorrow! Most people are actually unphased about other people's debts, as we live in a society where indebtedness is part of our culture, and this does not make you an unrealistic proposition. And can we have regular progress reports please!!!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
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Regards, Melanie Giles, Insolvency Practitioner
 
 

mikebdomain

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Post by mikebdomain » Mon Oct 29, 2007 9:59 pm
Debbie

I have to say after meeting you, if I wasn't a married old man......

You would be a good catch for any man

Hey, and as Melanie says - give us the updates

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bagpuss

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Post by bagpuss » Mon Oct 29, 2007 10:11 pm
:hug: Debbie...have never met you but through your posts come warmth and kindness...those are qualties that anyone would love to have share in there lifes.

Mr Right is out there for you...and he is one lucky man. xx

Angie xx


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scaredkez

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Post by scaredkez » Mon Oct 29, 2007 10:46 pm
aww deb, dont put the barriers up just coz you are in debt, start to live again, and take every opportunity you can, you deserve it, you don't have to be alone just coz you are in debt, now bit of light relief spread those cards and see just what might happen.

good luck, everyone deserves happiness.
hugs kerri

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Last edited by scaredkez on Tue Oct 30, 2007 11:38 am, edited 1 time in total.
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Skippy

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Post by Skippy » Tue Oct 30, 2007 9:13 am
Give him a call Debbie! You deserve some happiness and being in debt shouldn't stop you having a relationship - go for it!

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

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aguise

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Post by aguise » Tue Oct 30, 2007 9:34 am
Hi Debbie

Dont let debt stop you having a life. As said make an excuse and give him a call. If I was single I would have no problem with it. Dont assume your debt is a problem for him, who knows he could be on the forum as well. If you like him go out and enjoy yourself you deserve it.

Ang

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Lisa2009

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Post by Lisa2009 » Tue Oct 30, 2007 9:45 am
Debbie, i can only echo what thers have said. You sooo deserve to be happy. Give him a call you just never know..........
Hugs
mrs skint
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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mike.s

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Post by mike.s » Tue Oct 30, 2007 9:53 am
Hi guys,
only just read this thread. Ruby I am so pleased for you that everything is now in the open, trust me the hardest bit is done now. Realising you have a problem and sharing it with your family is a big step in the right direction and you will feel better from now on and you are starting on the right course of action, sorting it out, it will get better. I have come such a long way in just a couple of weeks after finding this forum. You are in very good hands with Melane and her team. Good luck and keep posting to let us know how you are getting on.
Now then Debbie, what is going on? Get in touch with that guy, break down those walls and barriers and start living!!! You are facing your problems and sorting out your debt, what money you owe does not have any reflection on you as a person and would not, and certainly should not, stop anyone from loving you!! This guy should like you for you not for how much money you have or don't have, and if your situation changes how he feels about you then he's not right for you anyway, but if you don't give it a go how will you know?? Get the walls down and start living again, life is far too short! Let us know how you get on.
Cheers Mike
 
 

Shining

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Post by Shining » Tue Oct 30, 2007 12:59 pm
So pleased you've got it all out in the open Ruby. Brought a tear to my eye your post! Onward and upward now, hope all goes well with Melanie.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Soulgrowth

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Post by Soulgrowth » Tue Oct 30, 2007 11:09 pm
Ahhh ... thank you all so much everyone for all your kind thoughts and messages ... isn't this a lovely place to be [:)]

Having analysed things it's not really embarassment but feeling as if one's life is on hold ... I feel that I can't move on in life until things are sorted because I kind of don't know where I'll be or what I'll be doing! This is a journey that has so far taken three years ... leading up to the IVA having made that decision that I need to address my business debt situation back in 2005 ... spending all of 2006 sorting out an IVA ... then all of 2007 sorting out what I am going to do with a failed IVA because of a post IVA liability cropping up ... and i can see this rolling into 2008 ... the last IVA payment I made was in May ... I have £40,000 sitting in my bank account since Sept ... and my IP still hasn't defaulted me on my IVA so that I can go on and make a Full and Final. It is just like life has gone into suspended animation since 2005 ... has anyone else found this?

I promise to keep you all posted on the charismatic Funeral Director [:)]

Debbie.

P.S
Apologies not to have posted much of late we have the OU online course started up with lots of manic students to settle in!!!

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Debbie
 
 

MelanieGiles

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Post by MelanieGiles » Tue Oct 30, 2007 11:42 pm
Debbie

I had dinner the other evening with a senior member of your IP's team and mentioned your case to him - of course at that stage I did not know you real name and he did ask me if I could find out.

I am due to catch up with him over the next couple of days, so would it help if I asked him to look into this for you. I am sure that a gentle word in the right ears might do the trick!

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Regards, Melanie Giles, Insolvency Practitioner
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