www.iva.co.uk

we have just had our email from Tina advising that Melanies team will represent us(which is fantastic). Will I ever get over this guilty sick feeling that I have let people down and can't repay all the money I owe.. Or am I just human?

angela i think we all have this feeling i myself was worried sick and felt very guilty think of it this way that you are facing up to your debts not running away from them at least you will attempt to pay your way. I dont feel guilty at all now and 3 years in i cant wait to have an extra lump sum each month to enjoy the finer things in life. I hope everything goes well.

Dont feel guilty. Feel positive that you are taking the best route for you to pay back as much as you can. Look to a positive debt free future now , dont dwell on what could have been. Look forward to what it is going to be.
Ang

at least you are attempting to repay some of your debts! the banks etc make enough money as it is so i try not be too guilty.

thank you, I know you are right suppose once things start moving and letters sent to creditors etc I will start to feel more positive. I know its going to be a long hard slog but at least as a family we have our health and happiness !!! (not meaning to sound corny!!)

Not corny at all so very true. You will feel better believe me.

Ang

i know, when you think some people have worse things in life to deal with. ours was our own doing living beyond means and trying to deal with things all the wrong way. borrowing off peter to pay back paul!!

Try not to feel guilty Angela. As the others have said you are facing up to your debts and that's a positive thing.

thanks skippy[:D]