www.iva.co.uk

Bad Day today having a guilt trip from hell.[:(] Teary again I am afraid.
My son came home last night from uni. He had his car broken into at the weekend & they stole his laptop & bag & Sat Nav. He had only left it on the road whilst he got changed & grabbed a sarni. He had only just finished paying for his laptop last month. On top of that he has lent a house mate a large sum of his student loan as they were in a real mess & they have done a runner & he is struggling like mad.
So today is a "If I had not done what I did then I would be able to help him out" as it is I am unable to.[:(] As usual I am fighting the dreaded guilt I hope this subsides eventually!

Good news is he has cleared his credit card & overdraft with working. I think my situation has put the fear of god into my kids about credit.
What a mess! I know you should not wish your life away but I can not wait to get my IVA sorted & start a fresh I hope.

Oh buttercup how awful. Is it covered by any insurance? Life is just horrible sometimes. People that do these things just dont think of the impact on the person they steal from.
try not to feel guilty but I understand. Your fresh start will come and you will be able to do the things you want to.

Ang xx

I hope his insurance will cover the losses. It's horrible when you have something stolen from you, he has my sympathies.

Sorry to hear of the news buttercup, at least you know that you are sorting your debt situation out and that in 5 years you will be debt free.

Try not to beat yourself up too much buttercup, you're not responsible for the toerags who stole your son's stuff. It's awful when things that you & yours have worked hard for are stolen or damaged. My son had his car vandalised while he was on an overnight trip with his girlfriend, I was gutted for him. Your son sounds like a lovely lad and he will bounce back, like you, that little bit stronger. You're dealing with your debts and have already helped him, he's cleared his debts and probably has learned a lot from your family's experience. Keep your chin up, xx

chris g. -

I think "toerag" is a very polite description!!! Lets hope these disgusting people get caught, convicted, and a suitably long custodial sentence. Perhaps then they will learn that there is no excuse for stealing someone elses hard-earned stuff.

oh, buttercup, don't beat yourself up, they would have still took his stuff anyway! Your son knows if you could help you would... chin up, at least he has your love and support!!

oh you poor thing.Try not to feel so bad.Your son wants your support not your money.He knows you will help whatever way you can.Cat

Hey buttercup

Just read your post and hope you are feeling a little better by now.

Try not to beat yourself up too much or feel guilty over everything as you are being brave and facing up to your debts and sorting them in the best way for you and your future.

I know its probably easy for me to say as I am single with no children in an iva and its hard enough, I can't imagine being a parent in an iva whe te financial pressures that brings. It must be so much harder and I admire all the parents out there, the closest I have to children is my 2 godchildren (12&16) and I find it so hard to say no to them. Easier now they are a bit older and undertand what 'I can't afford it' means but I still would do anything for them. The 16 year old is determind to be a vet and is a star student (one of the best of the year[:)]) and only wants to study at Cambridge Uni[:0][:0] As his mum, my lifelong best friend, is a single mother I have always done what I can to help and do feel a bit bad that I could not do that now to the extent I did. They have my unconditional love whatever and I hope thats enough[:)]

I hope your son's posessions are insured and his car is fixed now

Big hugs to you
Emma x

Thanks for all your replies[:)]

I feel a lot better today. He has had is car window repaired & had to pay £60 excess. He can not claim for his Sat Nav as it will affect his no claims but he should be able to claim for his laptop of his student insurance. Just all so inconvenient, expensive & time consuming for him.I just hope his mates returns with his money!

Thanks again for all your support [:D]
Sorry for whinging

Thats a bit better news then buttercup. Glad you feel a bit better.

Ang

Glad you are feeling a bit brighter today buttercup[:)]