Since I started working full time a year n half ago my finances got out of control I've even kept it from my husband, I've been so stressed my body had taken it's toll hair loss/ medical problems an I'm only 32. My husband thought it was to do with work as I have a stressful job but I love it I'm a teaching assistant in a special needs school.
Anyway I finally had no choice to phone a help line and started process of iva didn't realise how much it all was until I was told over the phone and it's worse than I thought nearly £20k told everything to husband. Creditors meeting is 15th August but I'm even more stressed n anxious I keep getting chest pains is this all normal to feel this way for people who have gone through this process?
I thought my debt was about £40k -- when it was all tallied up it turned out to be more than £60k! If I had hair it would have gone grey on the spot !!
I'm new on here and in the process of applying for an iva. I too have never been so stressed in all my life,i mean i know i got myself into this mess but i wouldnt wish this on anyone. I've had headaches,chest pains and constantly feel sick made worse by the fact my initial creditors meeting was last week then ajourned until the 9th plus I'm with a company called Creditfix and read some awful reviews on them. I've lost weight and a lot of sleep wondering if i've done the right thing...
They simply do not pay enough attention to individual cases and terms, but generally accept when they are wrong and it is pointed out to them. You also need to get used to operating in the dark and have to work for any information from them.
Oh, and do not give them access to your bank account ... sending paper copies is sufficient.
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