My point exactly Foggy, I'm sorry if my post caused any offence it really was meant in a lighthearted way, with the job I do, the trauma and death and the impact it has on peoples lives that I have to deal with every day of my working life, I find it very difficult to understand sometimes how people can get so upset enraged and worked up by something that in the grand scheme of things is really not that important. I understand we are all different and the way we deal with things are different but I can't help but think sometimes it's worth just stepping back, thinking about a situation and what you want to achieve. I think there are always times when things really need to be complained about but you have to judge for yourself whether it's worth wasting energy and precious time of your life over something that has essentially had no negative effect on your life or will have any impact moving forward.
Lem I probably do a very similar job by the sounds of things! It is not measurable though! People feel wronged or dismayed at things they are experiencing at that time ! A forum such as this is for those frustrations etc to be aired!! I'm sure some of those people who have never been in debt would put us all down if they read posts on this forum! I feel we should be able to voice a concern on here and not be condemed for doing so!!
Kazzy I hope you sort this out! Please let us know how you get on if you do make a complaint
Hi Lem i think when you do work in the sphere of work that we both do it does sometimes make us feel that way, i know that when people complain of headaches and such i think god my patients would love to just have those complaints, i'm sure you didn't mean anything by it but as Foggy says sometimes things do get lost in the translation of text etc.
I've said quite enough on here of late and vented my anger and frustration till i'm totally laid out with it and i generally have a great coping mechanism to be honest, but sometimes it does go even though i don't want it to.
Good luck Kazzy i hope you get somewhere it is very frustrating to not be in control of something that does mean so much to you, fingers crossed you can get this sorted and quickly. xxx
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
Another valid point that springs to mind, slightly off topic, is the "bereavement effect" once an IVA is finished, which is totally overlooked by the profession as a whole. This, I believe, contributes to what might be regarded as an over reaction to any situation in the months following completion.
Maybe we need to think about a re-integration program.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I am working on that very subject right now Foggy - as I feel that we as IPs simply put the final report in the post without thinking about assisting with financial rehabilitation. This can be as far reaching as helping our clients to find better insurances, pensions and utlity costings, and also ensure that mortgage payments are prioritised and a savings policy initiated - to make sure the debt spiral does not repeat itself in the future. Any further ideas from forum posters will be very welcome.
You may be right there Foggy, i have patients who after months of life saving treatment, get a transplant and then it's nothing, no visits to the hospital, no socialising etc and there is this void in their lives despite being given the gift of life again.
Maybe it is a subconscious fear of going back to square one, i don't know, or maybe it's the coming back down to earth when you have finished realising that nothing really has changed in the world only that you have more in way of disposable income.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
I can equate to these feelings - I felt the same after I qualified as an insolvency practitioner in 1995. After months of really hard study, there was a complete void in my life and I felt guilty about taking an evening off to go to the pictures. It does take a while to adjust, when something has consumed your life for a long time.
If there is one thing that i can take away from my IVA Melanie it is knowing how to budget, prioritise and also have a keen eye for a bargain. I carry a small piece of paper in my purse with all my DD and SD on it, i get a mini statement about twice a month and check so i know exactly what has gone out and at what time and that has really helped me keep on the straight and narrow. It is something that i shall continue to do even though i have now finished my IVA.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
This often happens when a life changing event occurs -- even large lottery wins. The person, even though life has outwardly improved, mourns the loss of the old ways. We have all felt it when entering an IVA --- emotions are all over the place while we settle into a new way of living. Only at that end of the process we have the support of our IP's.
I am glad, though not surprised, that you are looking at this, Mel.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Orchid - you need to come and give my husband some budgeting lessons!! He is absolutely hopeless and I really do think he thinks there is a money tree at the end of our garden. I am using him as part of my anthropology experiment!
I am glad to see that this thread has sorted itself out, I don't think any offence was meant.
On the subject of PPI, I has a person contact me offline where the PPI company acting for the IP had said that they would wait for the completion certificate and then turn the persons claim into a private claim.
Something doesn't seem right to me !
This "post IVA" initiative sounds very good.
While I`m in a relatively early stage of the journey, I have already found really liberating the way our lifestyle, both business and personal, is so much better without using credit. I`ll never get another card.
However I do worry that in the future we will probably have difficulty getting a good mortgage deal or being able to take advantage of interest free credit deals on appliances.
I find this aspect quite ironic, that people who have proved they can sort their financial problems out and budget effectively find themselves at the bottom of the credit worthiness ladder.[:(!]
True Hyperdrive --- I liken my new found liberation to "living in the past" when life, generally, seemed much simpler. I now realise that a great proportion of today's stresses are financially rooted ... keeping up with the Jones's ... then juggling the bills ..... on and on .....
On your last point I feel it an insult that the banks can --- and feel able to --- judge US. We are sorting the matter out, whereas they are actually in the same boat and relying on bail outs while still feeding at the trough ......
Blood Pressure rising ---- off for a cuppa !!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I think that is why some posters become despondent post IVA! I know I feel very pleased that it is all over but on reflection I now realise how vulnerable I was at the beginning of the IVA!! I would have stood on my head and whistled dixy for an hour if that is what the company had asked me to do!! Reading some of the posts now makes me realise that we do have some say despite thinking we don't! I wish I had found this forum years ago!! The banks should be questioning their policies! Having been in a five year IVA I now know exactly how to budget etc and have never been so well off as we are post completion! To not allow me a good deal on a mortgage is an insult as I am probably less of a risk than a lot of others! My perception only! It's great completing but also vet difficult when you realise that mud sticks
