www.iva.co.uk

sorry to moan but i just need to get this of my chest
can anyone just reasure me there is light at the end of this tunnel of gloom. i feel so depressed and fed up i feel like just getting away and never coming back i think with the kids going back to school it has given me time to think and i have cried all morning about our money situation. we have asked another ip to look at our case to see if we can try again for an iva as ours was rejected if this isn`t any good we will have to do debt management which is the best company to use for this?
thanks for listening to me moan.

H Natasha, we all have bad days so moan away - which company are you using to get advice? Did they give you a reason why the IVA was rejected?

Ah Natasha, I know things are looking horrible now but you're doing your best and you will get this sorted, one way or another. Have you asked Melanie to have a look at your IVA? If you have to do a DMP then I know Kallis used Payplan for her DMP and a couple on here use Andrew Graveson from brightoak, I'm sure they both come highly recommended. We're all here for you. X

Hiya

I am sure many of us have felt like this, Natasha. I myself became so sick of worrying and never being able to relax I just didnt want to wake up.

Debt is a dark as it gets but there is always an answer... I know that it feels like youre climbing up a vertical hill right now, just to function but it will get better.

Hang in there for now, accept that youre not going to feel your very best right now, with all this hanging over you, tell yourself you deserve a little cry every now and again. You have already made a very important step.

I think reviva who posts on here offers a debt management programme, I used pay plan for a short time. I found them to be very good. Approach a couple of DMP companies and then sit down and say, I have done all I can for now.

Youre amongst friends here on the forum who really do understand how hard the early days are.