Excellent choice, they come highly recommended. The forum is always here for support and advice at anytime, and also for a virtual hug if you need it.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
kallis3 wrote:
Excellent choice, they come highly recommended. The forum is always here for support and advice at anytime, and also for a virtual hug if you need it.
Thanks! I have a feeling I am gonna need quite a few of those in the next few weeks![:)]
Wake each day with a renewed hope, surely it got to get better..
We can do lots of virtual hugs! We've all been in need of them at some point.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
We are now used to budgeting weekly. We go shopping with a list and pretty much stick to it, we have the odd treat but the best thing is that I know the light has been switched on and we will be debt free before too much longer.
I also love the fact that I don't dread the phone ringing or the postman calling.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Thats good news. Yes, for me the phone ringing is the worst. It starts at about 7.30am and sometimes as late as 9.30pm. I particularly hate the calls on a Sunday. I get in from Church with a renewed strength, only to be zapped by calls from creditors! I wont miss that and am looking forward to a bit less stress (hopefully)
Wake each day with a renewed hope, surely it got to get better..
Amfrain, tina was the lady i spoke to first as well and I can totally empathise with you on the feeling. My only continued fret was that I wasn't sure if my debts would be included cos I only had teeny one in name...teeny as in 2.5k. Mind you my daft brain (always forgetts things, hence leakybrain) forgot that I was named on the big loan too. oops.
Anyway, I wish you well, and it will be good to see someone on the same path as me and at the same stage.
Jan, its the lack of worrying that i am looking forward to. I think the calls may have already started as we have had two not available calls.
leaKybrain wrote:
Amfrain, tina was the lady i spoke to first as well and I can totally empathise with you on the feeling. My only continued fret was that I wasn't sure if my debts would be included cos I only had teeny one in name...teeny as in 2.5k. Mind you my daft brain (always forgetts things, hence leakybrain) forgot that I was named on the big loan too. oops.
Anyway, I wish you well, and it will be good to see someone on the same path as me and at the same stage.
Thanks. Its nice (weird choice of word maybe?) knowing there are other people out there in the same boat with the same worries etc.
Wake each day with a renewed hope, surely it got to get better..
The calls are parr for the course. It's a big waste of everyones' time but I suppose it keeps the thugs off the street. All their threats are empty and they cannot influence your iva. So they aren't really anything to worry about. One of the best is the threat to default you and put it on your credit record...duh I've already chosen to do that!!
Glad that my Tina has been able to help you get a better understanding of the IVA process, and I shall look forward to speaking to you in person very soon.
amfrain - the calls are a pain, just be strong though and don't let them bully you.
You are with a good team.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi
Thanks all. The support form this site is great, its such a big thing we are doing and cant really worry elderly parents in law, and with no family of my own, its going to be a great help having people to discuss my fear and worries with.
AM
Wake each day with a renewed hope, surely it got to get better..
We're always here for any support, advice and virtual hugs that you need.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
