Todays Post getting me down

[debbiw]

I think its just a scare tactic, but you sound terrified. Just wait and see if you get a letter then, but i don't think you will. Alot of things that come from creditors is just scare tactics, and if they are aware that you are setting an IVA up, then they should wait. Hope you are feeling better about it all now. I'm sure your proposal will be with you soon x

[cr15py]

Sounds a good routine johnz! Luckily, all I have to do is check the post. It gets puts in an envelope and forwarded to my IP, works well really! [:)]

[honeybunny]

Johnz

Is this happening while you wiat for your IVA? or after?Surly it seems unreasonable to send in bailifs/Debt collectors if you are in the middle of your proposal.

What would happen if say the adult did not open the door but say someone else e.g one of your kids if or mother in law or frind & they barge in.

I find your post quite scary about keeping all dorrs & windows shut I always have my windows & doors open esp. in the summer.

[Skippy]

Try not to worry Honeybunny, Johnz isn't in an IVA, she is in a DMP.

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/

[honeybunny]

Thanks Skippy13

[johnz]

Sorry hunnybunny. I didn't mean to scare you. This is just something I do to make me feel happier. To be absolutely honest with you my creditors have been completely wonderful. I've been getting the standard letters and only had 2 phone calls. I've been in the process of setting up my dmp since September and it's still being finalised, so considering the amount of time I'm very surprised how little they've contacted me.

All I was trying to say was there are little things you can do to make yourself feel the situation is less scary. The point was that now you have an IP to deal with your creditors you shouldn't have to worry so much. I know it's hard not to, but at the end of the day that is what they're there for. Once your IVA's up and running everything should calm down and in a few months you'll look back on this and wonder why you were so worried.

So now I'll take my big foot out of my mouth and write a hundred times on the blackboard "I will not scare hunnybunny, I will not scare hunnybunny!"[:D]

I'm I forgiven?[:I]

Johnz

[honeybunny]

John

LOL LOL yes you are forgiven. I understand what you mean I am just about to get an IP not yet in one.

What made you do a dmp not an IVA?

How do I get smilies?

[Adam Davies]

Hi
Use the "reply to topic link" rather than this "quick reply link" and you will see the various icons on the left hand side,just click on them
Regards

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

[honeybunny]

[:)][8D][:I]

Got it

Thanks

[Skippy]

It took me a while to work it out [:I]!

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/

[johnz]

John

LOL LOL yes you are forgiven. I understand what you mean I am just about to get an IP not yet in one.

What made you do a dmp not an IVA?

How do I get smilies?

Basically, trying to cut a long story short, I got into shed loads of debt behind my husbands back, Eventually confessed all. Hubby was very angry (3rd time I'd done it), so told me to sort it out myself. Was threatened with divorce if his financial affairs were affected at all. Looked at an IVA, and had to provide my hubbies income and ougoings cos they needed to prove that I hadn't got into debt to support him. It then appeared that he earns too much for the creditors to approve an IVA for me (the idea being that because he's my husband he can pay some of my debt. Which he wouldn't do and I wouldn't have asked him too either). Bankruptcy was out because of the same reasons. So the only other option was a DMP. I won't lie to you. It's hard. I've got 10 or more years of debt repayment and the agreement isn't binding so my creditors can pull out at any time. But it was my only option unfortunately.

So that's the long and the short of it really. Am keeping my fingers crossed that something will change with the iva rules that means eventually I can do it. Or I get a lottery win. Either will do really [:D]

Johnz

[debbiw]

Hi Johnz, Do you mean that you didn't earn enough yourself to contribute into an IVA

[johnz]

I had more than enough (over £300 per month) to contribute to an IVA. But I basically pay my husband rent (the house is his) which includes bills and food. So I pay him £600.00 per month. The argument was that if I reduced that amount down to the "average" amount I should be paying for rent, bills and food based on the percentage he should pay from his earnings and the how much I should pay on my earnings, then I could afford to pay my debts without any sort of arrangement at all. Problem is that if I reduced the amount I paid him, I would have ended up out on my ear and trashing 8 years of marriage.

To be fair to him (cos this is reading like he's a monster or something), he has been great ever since. If we go out, he pays for everything and he rarely brings the subject up. He only gets stressed about it if it looks like it will affect him. We had one upsetting conversation the other week though, because he is refusing to tell me he loves me. And he won't tell me until he's regained his trust. Which is going to be a very, very long time. Unfortunately I'm generally a very insecure person who needs to know how people are feeling and needs to be told I'm loved, so without that I'm withdrawing emotionally and putting up walls too. So it's a bit of a catch 22 situation really.

Johnz

[debbiw]

Oh Johnz, we all love you on here! He will get over it in time. I'm sure he's disappointed in you, as its the third time, but he will still love you! It takes time to rebuild trust, me and my husband don't really speak about my debt either, as i just want to get it paid and forget about it, as there are so many more interesting things to talk about. I also found that the more we spoke about it the more we argued, so we both just decided that as it was now approved, we should just pay it every month and not talk about it.

[mish1953]

[:D]
Have a <<< HUGE HUG >>>

From a demented single dad whose bankrupt.

Slainte
Mish
[;)]

Will an automatic discharge hurt.