Reading your post just makes me want to give you a huge hug as you seem like you need it right now.
Going through financial troubles is hard enough without the added stress and heartbreak from the loss of loved ones. From personal experience, I know how hard it can be, within the space of 9 months, we lost 4 family members.
BUT.....there is a way through this. Not over it, you never get over it but you can get through these bleak times and come out the other end with your head held high and happy memories of the ones you've lost. Go back to the doctors, let them know how your feeling, ask for help. They are there to provide that help.
A friend posted on Facebook the other day this: You don't have to see the whole staircase, just take the first step.
XXXX
Last edited by Seventh on Fri Jun 08, 2012 10:11 am, edited 1 time in total.
Thanks guys for all your kind words,i'm not too good today, very teary & a thumping headache. Went to Dr this morning & she was grt, changed my dose of my anti depressants, spent 30mins talking to me & trying to calm me down & has asked me to go to an in house counsellor which i've agreed to, she'll be in touch to arrange an appt with me, she said life isn't easy all the time, life throws s*** at you but the good times will come back to me & as long as i have the love & support of my mum & partner, no one else i'm worried about finding out matters,I'l try & get a good nites sleep tonite, i'm emotionally exhausted,I'l post tomorrow & let you all know how things are.xxx
Holly do take care and here's hoping you get that much needed good nights sleep. Maybe counselling will help you and I'm glad you've agreed to it. The support of your Mum and partner will be second to none. Thinking of you x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Hi Holly so sorry to read your post but am glad to hear you are going to get the support of some counselling to help come to terms with everything you are going through. Things will feel better over time but you are flooded with awful emotions at the moment as you deal with the debt and the grief. Use this forum as much as you need to everyone is here for you to do what they can. My heart goes out to you and your family especially your cousins son and husband.
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com
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Thanks tina & everyone else for their support & concern, sorry i haven't posted for a few days, I had to attend my cousins funeral,so,so sad & haven't been feeling the best,My mum went to solicitor today, paid the court fees & iv'e an appt next wed @ 2.30 to sign debtors petition, it all hit me y'day, I'm going to be bankrupt v soon,that realisation is really hitting home.God bless my partner, he ran me a lovely hot bubble bath last nite,brought me a cuppa in bed & just listens when i get scared,my mum is 1 in a million paying the br fees, i can never repay her,just waiting on getting an appt with the counsellor,I need to cry, rant & rave & talk to someone,e'one on heres been grt too.I know there are people on this forum who have far worse probs than me,but when ure down it's hard to get back up again.[:(]x
Poor Holly. You really are going through it at the moment. Just remember that you have the support of the people you love and who clearly love you. There are worse things in life than bankruptcy and on the positive side your debt problems will be over soon and then you can start to rebuild your life. Try to look at the positives and remember we are here if you want to rant. Keep in touch and let us know how you are getting on. x
Take what life throws at you and hold your head up high. You're only human after all!!!
Holly - theres too much going on in your life at the moment to realise it, but you should be proud of yourself for tackling your debt problems and coming up with the solution.
Your partner sounds lovely and hopefully in the next few weeks with their support, you'll begin to feel a bit better.
Thanks to everyone who posted to offer me help,advice & virtual hugs. Got through my cousins funeral just!!went to see solicitor on 20th june re bankruptcy & my IVA company GT are holding things back, I am soo cross,I informed them in feb I wanted to go br, I was to get a breach of contract when i missed 3 payments which was end of may, I didn't get it, my solicitor had to get me to contact GT to give my permission for them to discuss my case which i duly did on 21st june, i was told i would receive it on monday there, now it's nearly fri & still nothing!!!The BR may now have to wait til near the end of aug, I had myself built up to get things rolling, now this, still not great,i don't feel much difference on the anti-depressants but i'm seeing the counsellor tomorrow at 2.45pm & really hope she can help,I've also had to leave work as i simply can't stand for long periods of time unaidid after my accident,am filling in the forms for ESA today, I just can't think about or deal with work at the minute, when will things get better? xo[:(]
Hi holly sorry to hear that things haven't gone as you had expected. Hopefully with you seeing your counsellor tomorrow you can discuss these things and the anti depressants generally take around 6 weeks to start to work. I would concentrate on small things at the moment and don't worry about those things that are not within your control. Take care and be safe. x
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.
Hi Holly. Good to know that you have a meeting with your councellor. They really can be a lifeline at times like these... You need to give the tabs time to work. They won't be an instant fix but given time will at least make you feel calmer about things. Maybe you can try some deep breathing and relaxation exercises? There are loads on the internet which you can download and they really can be helpful. Keep your chin up. You are doing so well!. Let us know how things go with the councellor x
Take what life throws at you and hold your head up high. You're only human after all!!!
Hi Holly I hope your BR gets sorted soon. The councellor will help but the first meeting can be the most because it is stressful the tablets do take about 8 weeks to kick in. I went though a bad time in 2009/2010 just one year into my IVA I had two miscarriages and I thought my life was going no where it does it better but never feels the same again
I suggest that you tell your IP that you wish to waive your right to a Notice of Breach and intend to terminate the IVA. There are provisions within the IVA contract which allow this to happen, and for GT to provide you with a Certificate of Termination without the usual process if you are intent on declaring yourself bankrupt. All relatively easy to do.
