Todays Post getting me down

[honeybunny]

John z

a big hug as well xxxxx

[debbiw]

LOL Mish[:D][:D][:D][:D]
Where have you been, I've missed your humour![:D]

[louisa.s]

Oh Johnz, my heart goes out to you. I know exactly how you feel with regards to your hubby not able to say that he loves you because of the trust. A year or so into our relationship I had a fling with a work colleague and out of guilt I told him! We agreed that we still wanted to be with each other but it was very hard as he was constantly wary around me however over time this changed and we got comfortable again in each other company and it was only after we had gone on separate holidays that he realised that he missed me and loved me! And he wrote this lovely card that I got on my return and 10 years later we are still happy. i think the point of my ramblings is that deep down Johnz your husband does love you and I think you might find that the trust will return quicker that you (possibly he believes) especially as you are dealing with your debt and the more he sees I think the more the trust will come back. life isn't easy but to look at all the good times if you feel down because they will always outweigh the bad!!!
As to the letters just be fiirm, polite and fair with them. They used to scare me for the first 5 minutes of reading it then I'd either phone them and/or write explaining the situation and be would be grateful if they could ensure that their details are correct!
Keep your chin up and look forward to Christmas and New Year with your husband.
Lou x[:)]

[Skippy]

Big hug Johnz xxx

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/

[emma_t]

Hopefully your husband will learn to trust you again Johnz as time goes on and he should feel proud of you for confronting and sorting out your problems.
Give him some time[;)]

Love and hugs
Emma

[scaredkez]

johnz i am sure your husband is so proud of you for dealing with this but just isn't letting on, he does love you he is probably scared to admit his feelings incase it backfires on him, don't fret you are still together so that should say something, to be honest me and my hubby have had the worst 3 weeks, we have argued etc not because we are BR because he changed his job to a very lower paid one right before xmas, not what we needed but we are sorting it, he didn't discuss it with me which hurt the most, doesn't mean i don't love him but boy have i made his life hell the last 3 weeks, i just might forgive him next week and maybe your hubby is doing the same as me making you sweat!
big hug from me, enjoy your xmas and hold your head up high for sorting your debt out.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[johnz]

Thanks guys. Things got a bit rough last night. I explained to him how I was feeling. BIG mistake. I should have just kept my mouth shut. So things are a bit stressed at home now. Also found out last night that when I'd been talking to my dad about things, he'd been reporting back to hubby everything I've said. Feel like I've been kicked in the gut. So I have no one now. I know I brought it on myself. Some christmas.[:(]

Johnz

[aguise]

Johnz you always have us to talk to anytime you want. Time is a healer and I am sure he can see you are doing your best. Maybe you caught him at a bad moment, hopefully things will get better at least you told him how you are feeling.

Ang

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

[debbiw]

Johnz, you have me!, and everyone else on this forum. You are never alone! Big hug from me matey! I'm sure once everything cools down abit, you will both be fine. Just look forward to christmas, lots of food, lots of beer, and hopefully lots of cheer!

[emma_t]

You have been through a great deal this year Johnz, I really hope 2008 is a much better year for you,
Keep your chin up and stay strong
Emma x

[TonyL]

HI Guys
Ive been reading all the posts and you all seem so helpfull and supportive. so HELP !!

Im just in the process of applying for an IVA and i know im being a little blonde about this, but ive been told to stop paying all by creditors.
Is this true ? do i just cancel all my direct debits etc even before my IVA is approved or do i struggle on ?
Im a little scared and very nervous about doing this as i dont want things to get any worse than they are now.

[MelanieGiles]

Hi Tony and welcome to the forum

A lot of insolvency practitioners will advise you to stop paying creditors, and there is nothing wrong with this as this gives you sufficient funding to set aside for the IVA. The advice is also given to ensure that no creditors are preferred in the run up to the acceptance of an IVA.

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

[aguise]

Hi Tony and welcome. It is quite usual to stop payment so try not to worry about it. You may get calls due to non payment but it is only for a short whilst waiting for your meeting.

Ang

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

[TonyL]

I have a van on an HP agreement. if I stop making the repayments are the finance company able to come and repocess the vehicle. I desperatley need this vehicle for work and cannot lose it.
TonyL

[Skippy]

You should only stop paying unsecured creditors, not HP, mortgage etc.

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/