Thankyou

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Emmadl98

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Post by Emmadl98 » Fri Jun 06, 2014 1:21 pm
Want to say big thAnkyou on here,, when I started the iva I felt ashamed that I had got myself into this situation,, after being on here I feel that I'm not the only one to cry for help,, feel more positive about it all .
 
 

Foggy

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Post by Foggy » Fri Jun 06, 2014 2:26 pm
Emma -- you are certainly far from alone! even the banks themselves got themselves into a very similar position not too long ago --- the only difference is that we (WE!) bailed them out !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

welshwiz

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Post by welshwiz » Fri Jun 06, 2014 2:53 pm
Good luck on your journey I felt exactly the same and still nobody knows about the iva.
 
 

Shining

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Post by Shining » Fri Jun 06, 2014 4:35 pm
I remember my first phone call to ask for help, I KNEW nobody else had as much debt as me, how wrong was I, there were plenty of people in a same/similar position...the forum has given me lots of new friends, some I've even met now. you're far from alone do keep posting and remain positive.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Ruthlyn

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Post by Ruthlyn » Fri Jun 06, 2014 6:49 pm
I've just started the process - received my iva documents for signing today for the creditors. I no longer get that sinking feeling a week after payday when I realise I've got no money for food....the relief is enormous! Am braced for the phone all and letters that will arrive.
Good luck with everything
The secret of change is to focus your energy,not on fighting the old but on building the new
Socrates
 
 

Struzzo39

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Post by Struzzo39 » Fri Jun 06, 2014 6:53 pm
you are def not alone!
Steven & Debbie
 
 

luluj

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Post by luluj » Fri Jun 06, 2014 8:25 pm
We are all in it together ... You are certainly not the first and won't be the last I am sure !
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
 
 

Emmadl98

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Post by Emmadl98 » Fri Jun 27, 2014 5:10 pm
It's amazing how many people are in the same situation,, I felt embarrassed but now hold my head up,, I did the right thing when I made the phone call for help,, would recommend anyone to get help,, I've recently lost my fiancé and asked my iva to help,, they have been amazing,, support has been there.
 
 

Foggy

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Post by Foggy » Fri Jun 27, 2014 5:27 pm
I am glad to hear that you are getting the support, Emma.

My firm get a lot of stick ( rightly so -- and some of it from me!)but they were fantastic when my marriage went pear shaped, leaving me a single parent.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
 
 

Shining

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Post by Shining » Fri Jun 27, 2014 8:26 pm
it's always nice to read positive comments about a company as all too often we only see the negative.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

hubert

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Post by hubert » Sun Jun 29, 2014 10:09 am
Shame and embarrassment are common feelings associated with debt.

Debt collectors know this all too well.

I feel ashamed of my IVA. I shouldn't but I do. Well the shame is more about my failings really. Failing to get control of my situation before I needed help.

Fortunately, this forum has been a godsend and I thank everyone on it!
One pay-cheque away from oblivion!
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