www.iva.co.uk

As some of the regular posters may know, I've decided to go for the bankrupty option,been in an iva with gt for 17 months, no problem,then had a bad fall,am off work since jan, i'm still in a lot of pain,only on ssp which was £94 pw,last wk went down to £85 ( i'm assumming because of government cuts), can' get benefits cause my partner works f/t,my mum is in remission from cancer, life just sucks!!!!mum wants to pay for my bankruptcy god bless her, i know i'm really lucky to have that option but i'm a terrible worrier,i worry about things that haven't happened yet, I was suicidal a few years ago & the same feelings i had before are returning, not sleeping, feeling worthless,comfort eating, I'm also for the dr tomorrow morning & i'm worried in case she wants me to do a phased return to work,(i can't stand for any length of time,i work in retail, I've excruiating pain in my neck, shoulders & my hand along with pins & needles),i'm going to physio & being told to try harder with the exercises im being given,my physio isn't a v nice person & if i cud do more i would.All my x rays show no broken bones but i can't get the pain to ease even with the painkillers i'm taking, dr said anything stronger she cud give me would be addictive,everything is getting on top of me & i don't know what way to turn,i've cried sore for the past 3 days over all this going round in my head i feel i'm going mad, i'm also scared about the OR freezing my bank account & having no money at all,i've the CO OP CASHMINDER AC & have been told they are BR friendly which would be 1 less worry but do i have to ring them & tell them i'm going BR?sorry i'm waffling on & on but can anyone help,advise or just tell me things will get better?[:(]

Please do not have suicidal thoughts!! We are all here for you.

The Co-op account is very BR friendly as long as they're not a creditor.

If you have no assets that would be at risk then BR could be an option for you. Let your IP know your intentions.

Be aware that you may well have to pay an IPA for three years if you do go BR.

Please don't do anything silly.

Hi Holly.

When you are at the docs, have a frank chat and tell them exactly how you feel, mentally as well as physically.

Then, have a frank chat with your IP and see if you can work together to plan a way forward.

There are always options and plenty of help and support.

Let us know how you get one .

HI Holly, you have to pull through this, with our help and from taking each day at a time. Ive been Bankrupt in the past and I know what you are going through. Money is only money life is life. IM sure you have lots of people that love and care about you, try and be positive you will get through this. MY Doctor has been a massive help to me, please do go and have a chat with him. Just talking to outsiders will help, its the best thing I did and helped me deal with what I had to, lots of love Rich xx

Thanks guys for your advice,went to dr this morning & cried my heart out, she's changed my painkillers to stronger ones & has put me on mild non addictive antidepressants for a month,ive to see her in 2 weeks again to see if they are helping, I suffered severe depression 10 years ago after a relationship breakup which left me suicidal & needing councilling at home for 6 months & when things get too much to cope with it's hard to see light at the end of the tunnel & the black clouds descend, I know i must be strong & will do my best to go forward with a positive attitude, my partner & mum are v supportive & are trying their best to keep my mood up but as i say to them, they are not going through this. all the worry,stress, ill health& tears,Just need to sound off on this forum as i know everyone can sympathise,if anyone else can offer any support or kind words to me please post,i read the forum every day & just reading that others care does help to lift my mood.xxx

Holly keep your chin up lots of love R xx

It seems you have been through a hell of a lot Holly. Things will get better, it may take a little time, have faith Holly . IF you want to chat to someone, ask Jan for my details xx

Hi Holly, so pleased you have seen the doctor and are getting help from them. Take one step, and deal with a day at a time. Having decided on bankruptcy, the sooner you deal with this the better and thats another worry to cross off the list. Have you read Skippy's blog, it makes inspirational reading and I'm sure will help you. You are much in my thoughts xx

Hi Holly. I am glad the doc was able to offer some help. I am sure you know, but don't expect miracles in a couple of weeks ... these little pills take a bit longer to work their magic But ... you will get there, I am sure.

Take things a little bite size chunk at a time.

Hi Holly, I'm glad you are using the forum for support - we have all been through tough times and truly will help you all we can.

My hubby went BR after 18months on an IVA and as long as you are sure this is the route for you, then you'll come through it.

Please keep posting and try and stay strong. xx

Hi Holly.
I've been where you are now, thankfully like yourself I talked it over with my doctor. Was put on pills took about a week or so to work, had to see doc monthly 5 months on I no longer take any pills.
life is great again only have iva payment not about 10 other payments.
Not working all the time to try and keep payments up.
Can now say no to working my rest days,and have some fun.

Sorry Holly, just caught up with this again.

So glad that you are feeling better and that the doctor is helping. We are here at anytime for support.

If you are on Facebook then you could add some of us as friends on there.

Hey holly

Just read your post and i feel ashamed at my moans and groans and to read your post shows me things arent bad after all please dont give up you have to keep going after coming so far keeping using this place as its got me through many a dark time trust me love fd xxxxxxxxxxx

Holly - you will be fine, trust me!!