HELP!

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Shining

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Post by Shining » Sat Mar 15, 2008 6:47 pm
No Venetia, you will be a fantastic Mum and your little one will bring you lots of joy, your life is very precious and your little one needs and depends on you. This will work out, no matter how it looks right now and none of us have the answers, but we all learn from each other on this forum. Please try and cheer up.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

venetia

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Post by venetia » Sat Mar 15, 2008 6:52 pm
I wish I could, but I cant stop crying and being sick with the worry, can anyone give me an address/details where to send my details to so I can do so ASAP.
Sorry to sound so miserable, but I dont think I have ever been so frightened in my life!
 
 

chris.g

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Post by chris.g » Sat Mar 15, 2008 6:58 pm
If you have a scanner you may be able to attach the details on an email to Andy or Paul, I don't think they'll mind.
xx
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admin

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Post by admin » Sat Mar 15, 2008 7:00 pm
Hi venetia,
As Paul says in his posting
you can forward / call me via web page to get some peace of mind.

paul's website : http://www.revivauk.com/
his contact page gives a request form for a callback from him, his email address and telephone no.
admin
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venetia

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Post by venetia » Sat Mar 15, 2008 7:00 pm
I havent ive only a laptop, god im just so crap at everything
 
 

chris.g

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Post by chris.g » Sat Mar 15, 2008 7:16 pm
Venetia, email Paul answering he's question in the above posting. He should be able to advise you better if he knows more details,
xx
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lily

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Post by lily » Sat Mar 15, 2008 7:19 pm
Venetia

Please take a deep breath, you are very important to your loved ones and your baby was meant to be. Your hormones are all over the place right now and your not a bad, crap person at all. You have made a mistake, it can be addressed. Having a baby is a wonderful thing, you will be a fantastic Mommy. Whats done is done, if everyone ended thier lives because they made a mistake, the human race would have died out long ago. We all make mistakes, youre just frantic with worry, forgive yourself. Please believe youre not being judged here we have all done silly things, had very dark and worrying times. Anyone of us would gladly listen to you at any time, you cant help the way you feel right now. I am sure that there is a way forward. I am not an expert but the people that IVA's up are human too, they have probably seen it all by now.

Hang on in there for now.
lily
 
 

Soulgrowth

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Post by Soulgrowth » Sat Mar 15, 2008 7:42 pm
Venetia ... there is no problem that can't be sorted ... it really is NOT the end of the world. The taking out of the loan may well mean that your IVA fails ... mine has because of an old debt that was overlooked, I haven't made a payment on my IVA for nearly a year now but I am still living and breathing and the issue is being sorted out in another way.

Have you managed to get in touch with Paul yet? Do you have a local shop that you can pop into tomorrow and fax the agreement across to Paul? ... or you can fax it to me, admin or Andy will give you my personal email address or telephone number and I will scan it and email it to Paul for you, that is if you can't fax it to Paul direct.

Hang on in there ... try not to over-worry ... it will all turn out ok ... promise [:)]

Debbie
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admin

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Post by admin » Sat Mar 15, 2008 8:06 pm
Many thanks Soulgrowth, I have sent Venetia your email address
[:)] admin
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Reviva UK

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Post by Reviva UK » Sat Mar 15, 2008 8:37 pm
Hi Venetia

I have managed to divert my business number to my mobile so if you want to speak tonight - until 12pm then call it and I will call you straight back to save the cost.

Don't worry about the time I never sleep anyway but you need to . call me I am here and only watching Inspector Wexford so your call would be a welcome interuption.
Paul Johns
Reviva UK
Assisted Bankruptcy Specialists
www.revivauk.com
 
 

chris.g

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Post by chris.g » Sat Mar 15, 2008 9:10 pm
Venetia, please get in touch with Paul tonight, it will help you to get things sorted and stop you from worrying, xx

Paul, just wanted to say thanks for this, you are a star!!!
Last edited by chris.g on Sat Mar 15, 2008 9:13 pm, edited 1 time in total.
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Reviva UK

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Post by Reviva UK » Sat Mar 15, 2008 9:24 pm
Hi Chris

I am really not a star - just happy to help if I can.

I have had some reasonably big jobs in the past but I have never had such fulfilment as in this career.

I helped 4 people myself to become debt free this week alone and 3 phoned later in the day to check it wasn't a dream which was great.

The 4th visited my house this afternoon when I was out but family were in( no idea how they found out where I live). They gave children easter eggs and flowers for my wife ( unfortunately no chocs for me!!!). Realised that they drove over 100 miles to visit which is really quite humbling.

It really is rewarding knowing that one is really making a huge difference to real peoples lives.

enough of the advert!
Paul Johns
Reviva UK
Assisted Bankruptcy Specialists
www.revivauk.com
 
 

chris.g

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Post by chris.g » Sat Mar 15, 2008 9:33 pm
Paul, you are too modest, you prove it by the above post!
I just hope that Venetia gets in touch, I am so worried about her. She needs to realise it isn't the end of the world, as Debbie points out. There are much more important things in life, she just can't see it at this moment in time.
Please keep us upto date with this,
xx
It's nice to be back......
 
 

Soulgrowth

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Post by Soulgrowth » Sat Mar 15, 2008 9:40 pm
Thanks also Paul ... your comments are a true sign that your 'work' is a vocation ... she says still up writing funeral service at 10pm and having missed Inspector Wexford which she truly adores [:(]

Debbie
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MelanieGiles

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Post by MelanieGiles » Sat Mar 15, 2008 9:42 pm
The IVA agreement will be bound to say that no credit during the IVA is permissible without the agreement of your IP. So the technical expert answer is to say that the IVA will be in default as a result of this unauthorised loan.

So I will now look at this if I were acting as your IP. There will obviously be some element of undertanding, if the money was borrowed to pay for essential items for the baby, rather than paying an associate creditor (your mother-in-law) back or paying for Christmas. The latter two items are unlikely to be met with much sympathy to be frank.

Secondly, I would ask you to find out if there is a friend or family member who could lend you the money on an informal basis, to be repaid as soon as the IVA has completed.

And generally, I would look to see whether I could justify providing retrospective agreement to the loan. This would only be for very good reasons, and I would probably need you to extend the term of your IVA to take account the value of the loan repayments you have made, at the expense of the other creditors.

So nothing is therefore impossible, but please learn lessons from this if you intend to keep your IVA going - which may be difficult with a young child now in any case. Although we, as IPs, all have families of our own, borrowing money to fund Christmas spending is never a good idea - insolvent or not.
Regards, Melanie Giles, Insolvency Practitioner
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