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Posted: Fri Jun 06, 2014 1:21 pm
by Emmadl98
Want to say big thAnkyou on here,, when I started the iva I felt ashamed that I had got myself into this situation,, after being on here I feel that I'm not the only one to cry for help,, feel more positive about it all .
Posted: Fri Jun 06, 2014 2:26 pm
by Foggy
Emma -- you are certainly far from alone! even the banks themselves got themselves into a very similar position not too long ago --- the only difference is that we (WE!) bailed them out !
Posted: Fri Jun 06, 2014 2:53 pm
by welshwiz
Good luck on your journey I felt exactly the same and still nobody knows about the iva.
Posted: Fri Jun 06, 2014 4:35 pm
by Shining
I remember my first phone call to ask for help, I KNEW nobody else had as much debt as me, how wrong was I, there were plenty of people in a same/similar position...the forum has given me lots of new friends, some I've even met now. you're far from alone do keep posting and remain positive.
Posted: Fri Jun 06, 2014 6:49 pm
by Ruthlyn
I've just started the process - received my iva documents for signing today for the creditors. I no longer get that sinking feeling a week after payday when I realise I've got no money for food....the relief is enormous! Am braced for the phone all and letters that will arrive.
Good luck with everything
Posted: Fri Jun 06, 2014 6:53 pm
by Struzzo39
you are def not alone!
Posted: Fri Jun 06, 2014 8:25 pm
by luluj
We are all in it together ... You are certainly not the first and won't be the last I am sure !
Posted: Fri Jun 27, 2014 5:10 pm
by Emmadl98
It's amazing how many people are in the same situation,, I felt embarrassed but now hold my head up,, I did the right thing when I made the phone call for help,, would recommend anyone to get help,, I've recently lost my fiancé and asked my iva to help,, they have been amazing,, support has been there.
Posted: Fri Jun 27, 2014 5:27 pm
by Foggy
I am glad to hear that you are getting the support, Emma.
My firm get a lot of stick ( rightly so -- and some of it from me!)but they were fantastic when my marriage went pear shaped, leaving me a single parent.
Posted: Fri Jun 27, 2014 8:26 pm
by Shining
it's always nice to read positive comments about a company as all too often we only see the negative.
Posted: Sun Jun 29, 2014 10:09 am
by hubert
Shame and embarrassment are common feelings associated with debt.
Debt collectors know this all too well.
I feel ashamed of my IVA. I shouldn't but I do. Well the shame is more about my failings really. Failing to get control of my situation before I needed help.
Fortunately, this forum has been a godsend and I thank everyone on it!