Hi we are newbies (myself and hubby) to the forum although we have been following the site for a good few weeks now and I have to say what a GREAT site, everyone is soooo nice, genuine and helpful, we are very glad we found this and at the right time as we'd only just started seeking professional help. After contacting 3 different debt help companies (which we read to do on here) we have decided to go with Mel and her team, up to now I have spoken to Tina and Claire and I must say aswell as being friendly, helpful and profesional the option of being able to contact them in the evenings/weekends is absolutely fantastic especially for us as we both work full time an find it difficult to have personal calls at work so this is fantastic, thank you mels team.
We are approx 50k in debt, some being joint, we have got into this debt over numerous years but mainly from 2008 as we were both made redundant, hubby in the Sept then me just before the christmas and hubby was out of work for nearly 2 years, along with the stupidness of us spending on things thats not needed but this is the point we are at now and omg when we did a soa we were very shocked and I just burst onto tears, our outgoings were way beyond the income, I can certainly say we have learnt a valuable lesson from this. We have decided to go down the iva route with Mel, we also decided that even though we are very embarrassed and ashamed about our debt and letting ourselves get in this situation we are not going to hide if from family and friends because if any of them are in a similar position or seem to be heading there then hopefully they will pluck the courage to get help sooner rather than later, and since us telling people, well, lets just say a few skeletons have come out of the closet ha ha.
Luckily for us, family members have offered us a lump sum so we are going to try and do a full and final IVA and I have finally managed to send all the requested documents to Mels team today (after having a nightmare with the estate agents for a house valuation and panicking as I was going in hospital for my 4th operation today) Fingers crossed it is all there and I havent missed anything. We are so nervous and scared about the whole process just like I have read about most other people at this stage, im sure its normal, I just cant help worrying about what will happen if it all gets refused etc. Well thats our story so far, it would be loevely to hear if anyone else has done full and final iva and any advice on thr pocess and how long roughly it takes would be great, and thank you to everyone whos posts I have read so far there is some great advice on here. Deb & Greg
