I agree and will add it to my list. Good point Lily and thanks for mentioning it again Melanie
Last edited by David Mond on Thu Jan 08, 2009 12:28 am, edited 1 time in total.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
When faced with this kind of mess, I feel that we become a different people, losing the sense of self worth plus being in a total state of panic and anxiety. I am certainly not the same person now I was then, nor am I what I was before. Its only now, more than two years down the line I can really look back and realise what I should have done and I found this site quite quickly after the proverbial hit the fan.
Again - this demonstrates what a fantastic support site this forum is, both pre- and post-IVA - not so much for the technical advice people like David and I can provide, but moreson the ongoing support you guys all provide to each other.
I echo what Melanie says - the support from regular contributors here is fantastic. Keep up the good work.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
lily what a shame i wasnt there when you first needed help like you helped me with the slimeys x i was so scared i could barely breathe and you soooo helped-and then all the other hunnies x
its small compensation but now we have the pleasure of knowing you we will ALWAYS be here for you x [:o)]
i cant comment on individuals that have posted but it appears some poor people have chosen what they thought was good at the time only for it not to be.
not for 1 second do i regret the iva. even being on the register is ok because ive been given a second chance-i have a life again after spending waaay too long in the slime swamp. my only regret was not finding this place and my ip sooner! because both are awesome x [:D]
On a personal note I've never ever regretted it and I've had some tough times with various things during my IVA and I'm only one year in. I think the key to an IVA is a good rapport with your IP and not one of their admin staff that 'won't' allow you to talk to your IP. I think I would hate mine if I were in the situation some of the posters post about.
Admittedly it's not for everyone and all avenues should be considered with a qualified person and hopefully the right solution found for the individual.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
at the moment i am having problems with my ip but i dont regret starting one as it was a big wieght lifted off our shoulders and up until now has been worth it so dont be put off the pro out wieghts the cons
Just seen the question "Has anyone ever regretted going into an IVA?"
I Regret not researching more into various companies and to be honest it does not feel like I have got my life back on track. Always dreading the mail and the phone ringing (and that is just from the IP). I am not looking for sympathy because I know I have got myself into this position, but if I have to pay any more a month, I will not be far off what I was paying originally!! People may have different opinions, but that is my sole opinion and do not feel any better for being in an IVA. [V]
I'm a bit like "outofpocket", whereas I really regret not rearching properly before going with the company we chose. I suppose desperation led us to bite the first hand off, now we know that was a mistake and are paying for it.
I don't regret facing up to the problem and I still think an IVA is the best option for us, as long as the payments are realistic ( which at the moment they are not).
I agree, I wish I could have looked more into a dmp. I am nearly paying the same as what I was originally. I don't feel in control of my money as any extra a manage to earn is taken off me. I just wish that whoever creates the guidelines would understand that we are trying our best and yes its my fault Im in this pickle, but I would like a bit of a life. Im 27 and feel 20 years older
I don't regret it at all, life's too short for regrets! If I'd known then what I know now I'd have done things differently though!
Then again if I'd done things differently I might not be where I am today. We learn from our mistakes and move on, hopefully older and wiser from the experience.
Pixie
'Welcome to where ever you are, this is your life you've made it this far, welcome, you've got to believe right here right now is exactly where you're meant to be'
IVA started may 07 ended dec 08
Well said Pixie, if we didnt have bad times, even if they are our own making, how would we ever be able to recongise good? If hindsight were foresight, life would be long and boring, in which we would exist but not live.
Last edited by freelili on Thu Jan 08, 2009 10:33 pm, edited 1 time in total.
I have to say its been the best learning curve of my life!! Having totally re-educated myself, I have worked really hard and have hopefully climb the mountain and am ready to slowly desecnd the other side.
At times it felt scary, even now I panick but deal with each stage as it happens.
As pixie says I also dont live life with regrets.
I have met a man who has changed my life and also helped me and not judged the situation, I really hope in the future I could help others in a similar situation.
I'm so glad that I'm here right now and not back at the begining, all of us who have found this site should feel very lucky xxx
On the slow safe road to success. Personal thanks to Melanie Giles Kallis Skippy Elv5 and all the other wonderful forum friends.
