Posted: Sat Nov 28, 2009 9:03 pm
Hello All,
Firstly I'd like to thank the forum for any advise that I have read from reading other stories by other people on the forum. Although it's not good that were all here in the first place but it's good that we can share our experiences and pain that our money problem cause us.
I have just entered into an IVA with Freeman Jones and I must say they are a great bunch of people that I have dealt with so far. I don't live too far from the HQ either so I asked if I could come down and put voices to faces.They were happy for me to come down anytime I had problems or questions.
I now have 60 payments to go to be free again...
I became lost a while back started to struggle with card payments on CC'ds. Although I phoned up the companies involed and reduced my payments and froze the interest this was not enough.
I've been studying at uni part time for 4 years (as a mature student (38 now!) to better myself both for me and my family. My wife, my son and my wife's other children who stayed with us now and then. I had to take regular days off through the week to attend my course and sometimes I didn't make my full pay. This obviously was subsidised by cards and the banks overdraft (which for a long time kept out off). It has only been the last year of my studies that things actually got out of hand.
In February (2009) I found out that my wife of 6 years had been having an affair with her first boyfriend from school some (17 years earlier! go figure!). She met him trough that damn blasted site "FACEBOOK" which I now cannot even go near. I can't even stand the site being mentioned to me.
Being a simple soul my wife and kids were everything to me and I worked damn hard to make life better for them.
When I found out and the wife admitted to it eventually I was devestated. My wife had destroyed my heart and soul. Work, money, uni even my life was at risk I was just a complete mess for around three weeks. I thought my life was over. Everything I loved and wanted out of life was destroyed by my wife's betrayal. Like all couples, we were having some hard times but still my family meant everything to me.
Obviously this snowballed through bills, bank, work etc.. and I was getting deeper and deeper in trouble.
I eventually crawled into uni one Monday morning to speak to my supervisor. He was a great listener and a great inspiration. We had a good talk and he told me that this happened to him and he understood. This started to make me feel positive again and gave me the determination to finish my degree. I graduated in July with a First Class Honours Degree in Mechanical Engineering and was given a Governors prize for outstanding academic achievment under difficult circumstances.
Now that the IVA is in place I may be able to live again...
Just got to get the divorce out of the way and I'll be free...
I'm on the road to recovery but it's a damn long one...
Firstly I'd like to thank the forum for any advise that I have read from reading other stories by other people on the forum. Although it's not good that were all here in the first place but it's good that we can share our experiences and pain that our money problem cause us.
I have just entered into an IVA with Freeman Jones and I must say they are a great bunch of people that I have dealt with so far. I don't live too far from the HQ either so I asked if I could come down and put voices to faces.They were happy for me to come down anytime I had problems or questions.
I now have 60 payments to go to be free again...
I became lost a while back started to struggle with card payments on CC'ds. Although I phoned up the companies involed and reduced my payments and froze the interest this was not enough.
I've been studying at uni part time for 4 years (as a mature student (38 now!) to better myself both for me and my family. My wife, my son and my wife's other children who stayed with us now and then. I had to take regular days off through the week to attend my course and sometimes I didn't make my full pay. This obviously was subsidised by cards and the banks overdraft (which for a long time kept out off). It has only been the last year of my studies that things actually got out of hand.
In February (2009) I found out that my wife of 6 years had been having an affair with her first boyfriend from school some (17 years earlier! go figure!). She met him trough that damn blasted site "FACEBOOK" which I now cannot even go near. I can't even stand the site being mentioned to me.
Being a simple soul my wife and kids were everything to me and I worked damn hard to make life better for them.
When I found out and the wife admitted to it eventually I was devestated. My wife had destroyed my heart and soul. Work, money, uni even my life was at risk I was just a complete mess for around three weeks. I thought my life was over. Everything I loved and wanted out of life was destroyed by my wife's betrayal. Like all couples, we were having some hard times but still my family meant everything to me.
Obviously this snowballed through bills, bank, work etc.. and I was getting deeper and deeper in trouble.
I eventually crawled into uni one Monday morning to speak to my supervisor. He was a great listener and a great inspiration. We had a good talk and he told me that this happened to him and he understood. This started to make me feel positive again and gave me the determination to finish my degree. I graduated in July with a First Class Honours Degree in Mechanical Engineering and was given a Governors prize for outstanding academic achievment under difficult circumstances.
Now that the IVA is in place I may be able to live again...
Just got to get the divorce out of the way and I'll be free...
I'm on the road to recovery but it's a damn long one...
