Considering an IVA

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Loopy81

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Post by Loopy81 » Mon Aug 16, 2010 3:42 pm
I have phoned and opened a basic account with the co-op so once the forms come through with an account number I will start moving our wages and dd's over. Now I just need to do the scary bit and speak to someone.
 
 

kallis3

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Post by kallis3 » Mon Aug 16, 2010 3:53 pm
Pick up the phone, no one will judge you and you will receive a sympathetic response and excellent advice.

It is hard but you won't regret it. We're here for you on the forum as well.
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 » Mon Aug 16, 2010 3:58 pm
Hi Loopy
Welcome from me too. I was in a similar position to you 3 weeks ago and it is amazing what you can achieve in 3 weeks.I too am a conrol freak however controlled everything except my finances!! I took great advice from this forum and the support is amazing. Do speak to a couple of IP's, they certainly will understand how scared you are and are totally non judgmental. So far have opened new bank account, had all dd's transferred and sent in all paperwork. Just remember, you are among friends here and no question is too silly..
F & F Accepted 19th Oct 2010
 
 

missy80

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Post by missy80 » Mon Aug 16, 2010 4:03 pm
Seconded. I have signed up to tons of forums in the past - uni ones, tv, theatre, weddings, divorce! - but this is the only one I've stuck with past about 5 posts. It's really friendly and everyone is either in the same boat, has been or works in the field.

Good luck with the phone calls. I don;t like phone calls in any part of life but it's often the worse part.
 
 

animaleyes76

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Post by animaleyes76 » Mon Aug 16, 2010 4:10 pm
I'd agree with ath missy80.

Sometimes i disappear for a month or too because of various things but when I come back i'm always welcomed back and get straight back into the banter with the "locals" that give masses more time than I can.

It's a great site
:))
Last edited by animaleyes76 on Mon Aug 16, 2010 4:11 pm, edited 1 time in total.
 
 

kallis3

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Post by kallis3 » Mon Aug 16, 2010 4:29 pm
It is amazing how much virtual support this forum gives, particularly when you are at your lowest point and don't know which way to turn.

We are very fortunate to have experts who give up their valuable spare time to give advice. There also those of us who have either finished the journey, are part way through or just started.

I have made many good friends on here, some of whom I am in contact with off forum, and some of whom I have met.

We love it when people stick around, even if they don't post every day.
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
 
 

missy80

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Post by missy80 » Mon Aug 16, 2010 4:46 pm
Totally agree about the virtual support(here follows a sad little insight into my life!)

I've had a letter in my bag all day today - unopened. All I could see through the window was the word FINAL so obviously I've been totally freaked out about it all day. I thought I'll open it while I'm in front of the computer so I can ask people on here for support - seriously, this place is a total emotional crutch for me.

The letter was just a final annual statement from the student loans company by the way so I panicked all day for nothing! (This happens a lot!)
 
 

kallis3

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Post by kallis3 » Mon Aug 16, 2010 5:02 pm
I'm glad it was nothing nasty! You do panic when you see that word don't you?
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
 
 

missy80

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Post by missy80 » Mon Aug 16, 2010 5:05 pm
So much!
 
 

kallis3

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Post by kallis3 » Mon Aug 16, 2010 5:09 pm
We'll get you through it!
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
 
 

scaredykat

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Post by scaredykat » Mon Aug 16, 2010 5:10 pm
Hi Loopy, and welcome from me too. I was in the same position as you...hence the name !! But following support and advice on here i did eventually pick up the phone, and so glad i did, I felt better straight away. I know its hard, and it makes you feel awful, i used to go to bed feeling sick and wake up the same way !! Good luck with everything xx
 
 

Cakie

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Post by Cakie » Mon Aug 16, 2010 5:24 pm
Hi Loopy
Do it do it do!!! honestly, it will be the best thing you've ever done! I rang DFD and the guy at the end of the phone was so patient - in between me sniffing and crying and getting confused... If you give somebody a call, have your details about your finances with you written down so you can just talk them through it and I'm not kidding within minutes you will start finding that the weight starts to lift.
I lived with this for about 10 years before finally realising I had nowhere to hide anymore - and what has amazed me is the support that is out there - not least from this forum.. there are some great people that post on here and honestly, trust everything they say - they've been there, done it, got the t-shirt and have even written and starred in the video... ok, well maybe not.

Deep breath - its good to be cautious but you need to hear it from the experts - they will help.
Good luck.
taking my head out the sand and starting over...
 
 

Loopy81

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Post by Loopy81 » Mon Aug 16, 2010 9:36 pm
Thanks for the support. the more i think about it themore i am talking myself out of it, but i know we cannot keep struggligh with the payments each month, it is not doing any of us any good. The cccs text my husband today but he could not call them as he was at work, they wouldn't talk to me.
 
 

Shining

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Post by Shining » Mon Aug 16, 2010 9:43 pm
Hi and welcome from myself too. Can only echo what others have said and if you feel you can't keep struggling each month with your payments then it has to be the right decision. xx
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

Loopy81

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Post by Loopy81 » Mon Aug 16, 2010 9:51 pm
I think part of my aprehension is I am not wanting to be called 409 times a day by the people i owe. The thought of it scares me to be honest to the point I am already considering changing my numbers..
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