There is always a way well thats how i look at life anyway x i think we just need to sit tight and wait for Mel to work her magic x what will be will be we will get there (debtfree) one way or another x
I wouldn't wish it on anyone in the world, but I'm glad you're going through the same thing (if you know what I mean). Apart from us there has been a flood of accepted IVAs in the last few days. Just dlovesg to go tomorrow.
At the end of the day (in my opinion by the way) - its not just our fault that we are in this mess, if the creditors had been more stringent on there lending i wouldn't have half this debt - i wasn't even working when this credit was taken out or even taking out the credit my ex husband did the majority of applying and getting credit in my name - so if they lent responsibly, a lot of people wouldn't be in dire straights with regards to their debt - its a two way street and all were doing is trying to do the best we can by saying ok we owe this amount of money and this is what we can afford please help us regain some financial control x Our whole country is in masses of debt too which will always have a knock on effect x The creditors cannot have what we don't have! and makes my skin crawl that they can bully, and threaten people by saying you can go to jail for not paying a debt (this was a catalogue) i know there are certain types of debt that you can go to prison for but not catologues x Statistically there was bound to be soe rejections with the amount of meetings had in the past week - it just so happens that we are the rejects ha ha x
What makes my blood boil is the fact that when interest rates were high, so were the rates on cards and overdrafts, but now base interest rates are at a historical low, yet the rates on cards are still as high. Someone is making an awful lot of money. We tried to remortgage so that we could pay off our debts at 5%, but the banks didn't want to know then - they preferred to carry on getting their 20% or so, leading to minimum payments and even more debt accumulated. Well, you can't milk a cow for ever, but they don't think about that do they?
I know what you mean, debt tired. What gets me going is the way we are treated, by these banks, for trying to pay back what we can ...... The very same banks who would have gone bust themselves if they weren't bailed out by US !
When looking doewn on us they chose to forget that they should be looking UP !!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Yes, it is probably Lloyds or Barclays being awkward with us as they are owed the most, but I will be angry if it is Lloyds as they are 80%, is it?, owned by us!
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by debt tired
Yes, it is probably Lloyds or Barclays being awkward with us as they are owed the most, but I will be angry if it is Lloyds as they are 80%, is it?, owned by us!
Don't get me going on that one -- the others aren't lily white either !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Lloyds is my biggest creditor and they have agreed but only if ip costs are reduced!! if it wasnt for the ip then Lloyds wouldnt be getting any money - it really is annoying x
x what will be will be we will get there (debtfree) one way or another x
