I am in an iva arrangement. Started in 2009. During the iva my circumstances have changed considerably. I lost my job was unemployed for several months then I got another job earning nearly 10k less but I needed a job so took the job. I now have car problems and I have put off having much needed dental treatment for months simply because I cannot afford it. I am sick with worry and I am struggling financially. I need a vehicle as I work nearly 25 miless away from my home and public transport is unreliable to and from my work location. My IP (Grant Thornton)have been brilliant and they are trying to negotiate revised terms for my iva but until I get paid on in a few days time. I have £ 2.47 to my name. I am desperate not to fail my iva as I do not want to lose my home. I have contemplated suicide but I couldn't stand hurting my family but I feel tearful all the time and I really cannot take much more. I am barely existing and I can't see a way out of my situation. Advice?
Hello and welcome. Hopefully GT will be able to work out a way forward. On a personal note I would suggest you have a frank chat with your GP, maybe for some short term help to get you over this tearful phase.
You are a good way through the IVA now, and with GT's assistance you will be debt free in the not so distant future when things financial will certainly improve.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Hope GP helps you and your IVA Company too, I think a lot of people have been in that dark place look after yourself, be honest with IP and GP they need to know how you are feeling to help!
I myself have had ups and downs during my IVA and i know that when you sign up for the IVA it is a long haul and there are changes of circumstance sometimes such as the Car Packing Up or the Fridge Freezer Breaking Down or a Job Loss.
I also know what it is like when you get to the 3 year period in your IVA and believe you me i think that is the hardest time of all.
I have been there like many millions of others who have maybe had £2.47 to last for 2 weeks in an IVA, but you get through it.
Well done for getting to the 3 year mark you deserve a massive pat on the back and i know that it feels like your life is on hold and are stuck in the middle of nowhere but it will soon pass.
If you do have problems or issues regarding your circumstances in your IVA speak to your IP ,they are very understanding and do not want to see you to suffer as they are not there to Punish You.
Anyway the IP's are acting on your behalf so speak to them and get things off your chest and cheer yourself up.
Remember there are millions of people out there who are in a much worst position than yourself.
If it is the IVA and your struggling finances which are causing these feelings alone, then it is really important that you work with your IP to come up with figures that are affordable and which do not leave you in financial difficulties. These are things that can be easily fixed and I would arrange to have a chat with your IP as soon as possible.
Hi and welcome to the Forum. It is clear that you are struggling, and this is to the detriment of your mental health and well-being. I urge you to contact your IP without delay, so that a resolution can be sought asap. As you said, GT have been brilliant. Even though they are acting for the creditors, I'm sure they won't want to see your IVA especially half way through. Take note of what Mel has said, as these issues can be resolved. I would also like to suggest that you see your GP asap to explore strategies to help you, as I suspect that you are not going to just suddenly feel wonderful even after talking to your IP. the help and support is there to get you through this dark bleak time, and also to help you manage when other problems and crises happen in future. I hope you seek it now. All the very best, and come back and let us know how things go. X
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
I was in the same place last year and contemplated suicide.
it was hard but went to see the doc he could not have been more helpfull.
put me on some pills which help me see there was help out there, I just had to ask. got the help I needed with my debts and now off the pills and life has some fun back in it.
Please go see your doc he will understand and help.
IVA now over with and it was worth it.
now starting my life again,
Hello , apert from the help from the gp and your ip I can only think of how I got through a similar patch . Regarding sorting out problems Try and take each day as it comes which can be hard at times. I also tried to focus on what I was going to do when the iva was over. It gave me a little light . I also went for a lot of long walks . The fresh air helped to let the stress out, clear my mind and charge me up for the next day. The rocky patch will soon be over. Your ip will work hard for you and your gp can help you. Take care. Let steam and stress off on forum that may help too.
Like others I too have suffered depression. When I went to my GP nearly 4 years ago now I was in a very bad place. I used to wish I was dead, and never went out or socialised. I felt a complete failure. The only time I felt relaxed was when asleep so I tried to do a lot of it. Mrs H put up with so much.
For me the anti depressants have worked so well. I saw my GP this week to review them and I suggested I come off them as I`ve never felt so good for years.
I never thought I`d be "the type" to need such treatment but there again no-one can imagine what it`s like to feel so low. If you havn`t already done so please see your GP and I`m sure they will offer a choice of actions like they did with me.
Hi and welcome to the forum. You've found us now and let us support you. We won't have all the answers but we do have lots of support to give you. You've had a rough ride personally there is no denying that but you've come this far. Keep working with your IP and hopefully things will ease a little as you move forward. Do keep posting and remain positive, the IVA will end in due course and you will be debt free, keep your eye on that finishing line. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Anonymous.3....first and foremost see your GP. These forums are great and you will glean a lot of advice from others (including myself) who have been in such a similar dark place but your health and mental well being must take priority and your GP is the only one that can sort this out......money or in our case the lack of must take a back seat.
Good luck & please focus on your health & family as without either, money really is irrelavant.
I came into this world with nothing and still have most of it left!
Hi anonymous and welcome from me too. Very sound advice from everyone and i would erge you to contact your GP to get support and totally agree with pennyless. There is a solution to this and hopefully you will find it. xx
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
I dont post much but thought id add my thoughts. Ive been where you are too, and still struggle with this IVA - its a complete nightmare living this way. I live in a box room with my folks and have done since my divorce/starting my IVA. You must see your GP as others have said. I have been on Anti-D's for years and have just come off them which took some time to acheive. You will be surprised how much help some medication can offer you.
Ive been through 2 divorces, cheated on twice, lost everything and am in my IVA due to getting out loans to cover my ex wife's Salary and supposed sickness (while in reality she was off seeing another man who now lives in our house all living it up on benefits). Everyone goes through some dark times while in an IVA. they are blimin hard.
I speak with folks who feel close to ending it all the time as i support people going through divorce as a hobby. I hear some truly awful situations but they all get through it in the end, and its the same with your IVA.
I do hope GT can help you. I'm with them and they are very good. I think Karol is on here from GT.
Hi anonymous, sorry to here that your troubles are making yor thoughts so negative. It is understandable and I'm sure that many on here have been through a similar period in there lives. I have and still do.
You need to talk to people, especially your IP and your GP. Get some sort of solution to the financial worries and either some councelling or medication to give you a break from the negative thoughts. Believe me, I've wracked my brains that many times over the last 10 years trying to solve my problems on my own and just end up back at square one.
I've just started my IVA and after discussing my similar thoughts with my GP have decided to take the medication again and am starting to feel that I have a light at the end of the tunnel. If things change financially, I believe that my IP will do there best to sort something out and I will discuss it at the soonest opportunity.
