Accepted and Feeling Low

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beyondhelp

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Post by beyondhelp » Wed Sep 08, 2010 6:10 pm
Hi,

Got the news my IVA had been accepted bit with a minor change to go through with no change to the payments.

I should be happy but I'm not I don't understand, any help?
 
 

kallis3

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Post by kallis3 » Wed Sep 08, 2010 6:23 pm
Good news.

Some people do feel a bit of an anti-climax. I think it's perfectly natural and perhaps once the letters and calls stop, you might feel differently?
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
 
 

Tina Shortland

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Post by Tina Shortland » Wed Sep 08, 2010 6:25 pm
HI beyondhelp - maybe all the weight of this has finally risen to the surface and although it is a positive for you (congrats on the news) it marks the start of something you probably thought you would never have had to do.

I am sure many of posters who have been there have had similar feelings and will share their views with you. Let yourself feel what you feel and eventually you will feel better knowing you are doing the best you can.

Use the forum as much as you need to for support, we're all here for you.

Best wishes,
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
 
 

beyondhelp

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Post by beyondhelp » Wed Sep 08, 2010 6:44 pm
I think you probably right when I come home after work there won't be a demanding letter anymore or the missed call on my mobile, I reckon I will be a lot more happier!
 
 

kallis3

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Post by kallis3 » Wed Sep 08, 2010 7:09 pm
You will feel happier eventually, believe me! Just takes a bit of time to sink in.
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
 
 

nepensioner

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Post by nepensioner » Wed Sep 08, 2010 7:12 pm
Good News.. although the next 5 years may appear difficult, suspect they won't be as difficult as the last five weeks. Do let us know how you get on.
F & F Accepted 19th Oct 2010
 
 

Shining

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Post by Shining » Wed Sep 08, 2010 7:18 pm
I was originally elated then the down came, as I kept thinking oh my 60 months, but I'm 32 months in now, a few problems behind me and happiest I've been in a long time.

I'm sure you will happy too give it a bit of time. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

back on track

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Post by back on track » Wed Sep 08, 2010 7:19 pm
this a normal feeling to have.
you go from being very pesermistic about it being accepted.
then when it is you think of all the restraints you got placed upon you for the next 5 years.
after about 6 months(in my case anyway)you will settle into a pattern and adapt to your circumstances.
then it becomes your normal way of life and its becomes quite feeling that nobody can touch you and demand money of you all the time.
im nearly 2 years in now and as i said takes a bit of getting used to but you will.
3 years and im debt free apart from the mortgage so will have plenty of spare cash then to do thing i cant now.
you will find you will enjoy getting a bargin here and there and paying cash.
stick with us and we will be here for you
cc received 6th January 2014 now upwards and onwards
 
 

beyondhelp

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Post by beyondhelp » Wed Sep 08, 2010 7:34 pm
I will be defo sticking with this forum, it has answered so many questions and everyone is so helpful! But the next 5 years seems daunting but it is going to be worth it, debt free is two words I never thought I could hear! I think it is just the come down, don't need to worry about money, albeit as much! I tried to economies is preparation for this so it wasn't too much of a shock and paying cash is good!
 
 

kallis3

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Post by kallis3 » Wed Sep 08, 2010 7:39 pm
We'll always be here for support and advice.

It does become your normal way of life and you will look forward to making savings!
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
 
 

Struzzo39

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Post by Struzzo39 » Thu Sep 09, 2010 7:21 am
Congratulations on your fantastic news. Hope ur road ahead aint too much of a bumpy one xx
Steven & Debbie
 
 

beyondhelp

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Post by beyondhelp » Thu Sep 09, 2010 9:57 am
Thanks for the kind messages everyone, do feel better this morning, the sun is slightly brighter!
 
 

Tina Shortland

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Post by Tina Shortland » Thu Sep 09, 2010 10:34 am
Glad to hear it :-)
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.

If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com

If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
 
 

kallis3

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Post by kallis3 » Thu Sep 09, 2010 11:11 am
Glad you're feeling better.
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
 
 

Shining

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Post by Shining » Thu Sep 09, 2010 2:05 pm
I'm sure each day will become brighter, once you realise you've no creditor contact; keep smiling the 60 months do soon go and you'll look back on your journey with pride.

Have you started a blog? If not why not do one, it helps therapeutically as well as there's a chance to win a few vouchers and also helps others. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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