www.iva.co.uk

The whole lot of them have started calling every hour of my day and sending threat letters to send someone around again, to collect money. They said they'd leave me alone, but obviously not. I have 5 more days left till I see my surgeons next week. And the social worker. 5 more days. They say they should have had evidence of my heart condition by now, and won't stop till they get it. One of them said they can access my bank account and arrest my benefits to secure payment.I have a massive pile of cardiac drugs here I can happily munch to my hearts discontent, or I can be sensible and trot up to A&E and ask to be admitted for my own safety until next week. I'm done now, well and truly defeated and can put up with no more. I'm effing done

I'm going in. I don't trust myself right now, just waiting for the cab.

They cannot access your bank account at all Quark that's a load of rubbish!

I think you are doing the right thing by going to hospital - hope it goes ok.

Quark2008 - as Kallis has said - they can not access your accounts without a court order - and by the sounds of it the threats are nearing on illegal harrassment.

Main thing /important thing is you and your health - so look after that!!!

I'm much calmer this afternoon, was given a few little magic beans after a nice chat and some reassurance. A mental and physical health impact form has been filled in and will be signed by my GP and a mental health nurse on Monday. This form gets sent to the creditors, basically telling them to stop all action formally, due to the negative impact it is having on my ongoing medical and mental health treatment. On Thursday I see the social worker, who will be able to contact the disability officer at the court, and make an appointment for me. This person basically holds your hand throughout the whole process, goes through the forms with a fine tooth comb, helps you correct any mistakes, helps you with the fee remission forms, etc etc. It's a completely separate process, I'm carted off to a private area and looked after. I will have all the medical evidence I need, it's just the waiting list is pretty full at the moment. Until then I think a few more magic beans would not go amiss. I'm ever so sorry if I was a bit extra yesterday, the DCA woman, was quite a vapid and poisonous trog, who sounded as ugly as she may indeed look. I was completely taken aback, and I feel a little weak in being done over by the horrible cow. My account is now emptied by me so she can shove her threats into the hole she calls her face. Ahem, I keep telling myself I have nothing to be ashamed of, and I haven't. It's just I've been so focused on staying well, it came as a shock and made me feel hopeless. I'm over it, and will continue to concentrate my energies on my health, in any case. Sorry again.

I'm glad you got sorted yesterday Quark. Glad also that you are getting help with the bankruptcy - once it's done you will feel so much better.

They cannot touch your bank account anyway Quark - that was just an empty threat by a call centre bully just out to try and get some commission. Do not let them get to you - either give back as good as you get, refuse the security questions or change your number.

You do not have anything to be ashamed of - you and your health are the most important thing here.

I'm so pleased for you Quark. This is the place to get rid of some of your anfer and frustration. As Jan says once the BR is done you will be able to start looking forward.

Take care.
x

I've had some issue with my BR forms. I posted on the other forum. Anyhow, I think I'm basically going a little bit bonkers, I just got myself into a safe routine, taking things day by day, and a result took my eye off the ball and have experienced what is akin to having a few fireworks thrown through my letterbox, which is odd, as I don't own one. I do what my doctors tell me, and hang on their every word. I'm so scared about bankruptcy guys, It's so not what I would have ever expected of myself doing, yes I've done my best, yes, I should have nothing to feel guilty about, but I don't think I will ever be able to forgive myself. I know, and have known I should do it, for ages. I just keep waiting for some good luck, keep waiting, hoping that I will turn things around, at the 11th hour, full of honor and integrity, just when you thought I couldn't deliver, I pulled it out of the hat. I might be a gay man, but I still have my pride, and painfully slowly I'm accepting that a fall awaits me. That horrible trollop on the phone last Friday, so caught me off guard, cow. There is no one on this earth who will ever make me feel okay about going bankrupt, not one. And when I do, it's gonna take me ages to get over it. It's a personal thing. I hope you all can understand what a massive thing bankruptcy is for me.

I understand. We would have been better off going bankrupt than doing an IVA but I couldn't persuade the hubby to do it. There is still a stigma attached to it which there shouldn't in this day and age.

However, saying that, you will be sorting a major part of your life out. We have all had to admit we have debt problems. The bonus about this forum is we all have this in common.

Good luck

Don't be scared Quark and don't feel ashamed - you have done your best and nobody would ever knock you for going BR. You should feel ok, you and your health are the most important thing - Skippy has been bankrupt as has Julie's husband. They tried their best but couldn't do it and they have come out the other side much stronger people.

Nobody will ever think anything bad about anyone who has had to go bankrupt and you should be proud that you have done your best.

I really didn't want to go BR as I presumed that there would be a stigma still attached to it, but there isn't - the only people who need know are the ones you choose to tell.

I would never have been able to move on with my life if I hadn't gone BR - there was no way I could afford my IVA payments and there was a modification in my IVA that meant my payments couldn't be reduced. As far as I'm concerned I did my best but it wasn't meant to be. When my lovely uncle died a few months into my IVA and I could either afford the petrol to go to the funeral or to send flowers but not both I realised that I had to do something.

I'm not saying that BR is easy and it's not something that can be entered into lightly, but you can't carry on in limbo like this Quark. I'm not a doctor but this stress isn't doing you any good at all and the sooner it's over, the sooner you can concentrate on you, and you're much more important that a few creditors.