we are sinking fast dont know which way to turn

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kallis3

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Post by kallis3 » Thu Jun 19, 2008 4:41 pm
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I was 5 months behind on some of my bills when I got my IVA. The relief was fantastic - (almost)as good as winning the lottery
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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angela18

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Post by angela18 » Thu Jun 19, 2008 6:08 pm
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melanies team will give you good honest advise.. we have our IVA with them and couldn't fault her
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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MelanieGiles

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Post by MelanieGiles » Thu Jun 19, 2008 10:29 pm
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I've looked at your case this evening, and it's full steam ahead as far as we are concerned! Do not worry about default notices, just follow the advice my team are giving you and I will speak to you very soon.
Regards, Melanie Giles, Insolvency Practitioner
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elizabethr

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Post by elizabethr » Thu Jun 19, 2008 10:48 pm
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Trina - I felt that people would judge me for being in such a mess but I too was in your position only a few weeks ago and now Melanie and her team are "sorting" me out! I have two daughters one who is 20 at Uni and knows how bad things are, the other is 12. Things have been a bit tetchy around the house to say the least but I just keep saying that we are all very tired at the moment becuase we are working so hard. She also asks why we are so poor at the moment because somethings she asks for I say - not at the moment or "we can't afford it". It doesn't help that most of her friends seem to have lots of things and go places. I have just told her straight that we are not poor but from now on we are only having things if we can pay for them and not put them on credit cards - I then give her a speech about how credit is wrong so we just have to save up for things. She seems to have accepted this and doesn't go on too much now.
Elizabeth
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trina

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Post by trina » Thu Jun 19, 2008 10:51 pm
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Thanks Melanie,

What a relief, I'm already feeling calmer, I know there's a long way to go and not to get over excited but I know things are moving in the right direction.

What a brilliant bunch of people are on this forum!! They are an inspiration.

I have no more tears left tonight to shed got a thumping headache so hopefully when my head touches the pillow I can sleep. xx
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facingittogether

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Post by facingittogether » Thu Jun 19, 2008 10:54 pm
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hi trina

just want to say hi and you will be in very safe hands with melanie and her team!

alot of us on here not so long ago were standing where you are now and we are living proof that there will be a solution!

try to keep yer chin up, all this will be sorted. sending you both a big hug!

love barb x
12 down - 60 to go! woo hoo!
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trina

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Post by trina » Thu Jun 19, 2008 10:59 pm
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thankyou Barb,

How kind xx
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Viki.W

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Post by Viki.W » Thu Jun 19, 2008 11:21 pm
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Hey Trina, just wanted to welcome you to the forum. You're in good hands with Melanie's team and we're all here for you on the forum. Good luck and keep posting. Hope you sleep well tonight. Viki X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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m15

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Post by m15 » Fri Jun 20, 2008 11:36 am
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HELLO
WELCOME
YOU WILL BE FINE THERE IS LIGHT AT THE END OF THE TUNNEL. THERE IS SO MUCH SUPPORT ON HERE SO LOG IN AS MUCH AS POSSIBLE. EVERYONE IS SO KIND AND HELPFUL.
ALL THE VERY BEST.
XXX
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trina

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Post by trina » Fri Jun 20, 2008 5:19 pm
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hello everyone,

Feeling a bit better today, Melanie been in touch and confirmed she will take me and hubby on so thats a relief.

Just opened a new bank account, without any problems so now thats in place and ready to go. i was very nervous to say the least in their but I have the new account number in hand and am having a debit card with account too, which is eveb better.

got lots of paperwork to fill in this evening, so it will be another headache probably for me by the end of the night.

thanks everyone for your encouragement so far.

post again soon when I have more news.

xx
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kallis3

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Post by kallis3 » Fri Jun 20, 2008 5:20 pm
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Well done Trina, you're well on the way now.

Enjoy your weekend.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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chardonnay

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Post by chardonnay » Fri Jun 20, 2008 5:53 pm
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Hi Trina,
Welcome form me too - yu're in the best possible place for support, help and advice. Melanie will set you on the right course and you've done one really hard bit in acknowledging your problem. Well done and don't feel embarassed, hold your head high and get on with sorting the right solution for you,
Let us know how you get on,
Hugs,
Chardonnay
Chardonnay
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michael.t47

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Post by michael.t47 » Fri Jun 20, 2008 8:08 pm
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trina i just stareted collecting an sending all info to melanies team an already i feeling better
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Soulgrowth

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Post by Soulgrowth » Fri Jun 20, 2008 10:10 pm
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Just wanted to say well done on taking the first steps to addressing your debt situation Trina, and please don't feel in any way embarassed about taking what is a very responsible step to sort out your finacial commitments.

Debbie
Debbie
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facingittogether

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Post by facingittogether » Fri Jun 20, 2008 10:46 pm
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hi trina

glad you are feeling more positive today!

you have opened your new account and each step you make is another hurdle down and a step closer to all this being sorted!

you are doing brill, good luck and keep posting hun, everyone on here will support you!

love barb x
12 down - 60 to go! woo hoo!
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