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Posted: Mon Jun 23, 2008 4:04 pm
by Rockin Diner
Today is a milestone. We have phoned the National Debt Hotline and been in touch with Melanie. Already we feel relieved that we have shared our problems with sympathetic people. Long way to go yet but keep your fingers crossed.
God this is nerve racking.
Posted: Mon Jun 23, 2008 4:05 pm
by Moneystinks
What a great feeling tho hey..... Finally on the road to sorting everything out.
Good luck
Posted: Mon Jun 23, 2008 4:24 pm
by Jan01
Good luck now you have made the first step I am sure things will get sorted for you
Welcome to the forum I wish I had found this site 3 years ago.
Jan
Posted: Mon Jun 23, 2008 4:26 pm
by Viki.W
Hey Rockin Diner, welcome to the forum. Glad you made the first step and also glad you decised to post. Keep posting as everyone here is great and you'll find lots of encouragement and advice. Viki X
Posted: Mon Jun 23, 2008 4:27 pm
by MelanieGiles
The first step is always the steepest and longest, but once you have shared your difficulties with people who can really help you, the gradient curve diminishes and the light at the end of the tunnel can be seen. The very best of luck with your journey.
Posted: Mon Jun 23, 2008 6:18 pm
by angela18
good luck we are with melabie and she and her team are brilliant
Posted: Mon Jun 23, 2008 7:37 pm
by e.h
Good luck Rockin Diner.
It will be hairy for the next few weeks but hang in there and you'll be okay. We've all been in your shoes and have come out the other side.
Keep us posted.
Liz
x
Posted: Mon Jun 23, 2008 9:14 pm
by Skippy
Hi Rockin Diner and welcome! Good luck with your IVA, you're in safe hands with Melanie.
Posted: Mon Jun 23, 2008 9:22 pm
by michael.t47
welcome rockin an good luck
Posted: Mon Jun 23, 2008 10:08 pm
by trina
hi rockin diner
I know exaclty how your feeling, I too felt relieved after the inital first phone call, keep posting and we will all support each other
Good Luck
Trina x
Posted: Mon Jun 23, 2008 11:07 pm
by Soulgrowth
Good luck ... you have made a life defining decision today "today the first day of the rest of your life" ... keep in touch with the Forum, we are all here to experience your personal journey alongside you [:)]
Debbie
Posted: Wed Jun 25, 2008 11:54 pm
by Rockin Diner
Hi all
Thanks so much for your support and messages. We are going to talk to Melanie tomorrow. We keep veering from one extreme to the other ...should we borrow our way out of this again or finally admit defeat and go for an IVA? We've both been brought up to believe that you should repay your debts and feel very guilty about reneging on this by going for an IVA. Also the worry - what happens if it doesn't get approved .... does everyone feel like this at first?
Posted: Thu Jun 26, 2008 6:41 am
by plasticdaft
Yes,everyone feels like its all going to go wrong,but the Ip's are there to try and make sure it doesnt go wrong,just be open and honest with them and you wont go far wrong. Remember not to leave yourself short when filling in your income and expenditure(I&E) forms because its hard to budget if you give yourself unrealistic amounts each month for food etc(lots of threads on here ref. I&E)
Good luck sorting your life out.
Paul
Posted: Thu Jun 26, 2008 9:11 am
by no more plastic
Hi Rockin Diner
Welcome to the forum, totaly understand your feelings about feeling guilty but you have made the right decision to try to get things sorted out without further borrowing. I am also at the start(with Melanie) and get concerned about things going wrong that's only natural but you are doing your best to try to pay as much back to your creiditors.
Best of luck
Graham