Rubbish weekend, I think I'm cracking up

Get expert opinion. This is the place for new questions to be posted.
30 posts Page 2 of 2
 
 

missy80

User avatar
Posts: 184
Joined: Mon Mar 01, 2010 9:22 am
Location:

Post by missy80 » Tue Jul 27, 2010 10:52 am
Hi everybody

Much better today, thank you for all being so nice and patient with me. Have spoken to Angela and she has sent me a really long email. She's spoken to someone at MBNA to stop them phoning me which would be amazing.

Feel lots LOTS better today and that is almost 100% down to you guys and Mel's office so thank you so much. Will now go back to stressing about my divorce and other related issues!

Big kisses

xxx
 
 

Tina Shortland

User avatar
Posts: 2950
Joined: Tue Jan 05, 2010 11:30 am
Location:

Post by Tina Shortland » Tue Jul 27, 2010 10:54 am
Really pleased to hear it Missy :-)

Its this extra care and support that Mel absolutely ensures we focus on as well as just pulling the paperwork together - there is so much more to representing a client in an IVA than just the proposal.

Hope all the other stuff doesn't cause you much stress, you could do with a break from 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.
 
 

Skippy

User avatar
Posts: 20720
Joined: Sat Oct 21, 2006 6:08 pm
Location: United Kingdom

Post by Skippy » Tue Jul 27, 2010 11:02 am
I'm glad you're feeling better and that Angela has been able to help you xxx
 
 

dw1983

User avatar
Posts: 220
Joined: Thu Jun 03, 2010 7:54 pm
Location: United Kingdom

Post by dw1983 » Tue Jul 27, 2010 12:22 pm
Sorry to hear you are having a rough time MBNA seem to be one of the worst to deal with they were one of my creditors but luckily they were under 25% of my debt
Iva completed
 
 

dalelovell

User avatar
Posts: 3
Joined: Tue Jul 27, 2010 1:39 pm
Location:

Post by dalelovell » Tue Jul 27, 2010 1:45 pm
I think you should come clean to your flatmate: if you do not have any financial ties with him it shouldn't be a problem and he will be less surprised when the bailifs do actually turn up: it also gives him an opportunity to make sure his stuff is not taken, which would be annoying.

Good luck with it all though and remember to review your debt options thoroughly.
 
 

MelanieGiles

User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am
Location:

Post by MelanieGiles » Wed Jul 28, 2010 2:41 am
Token payments shoule be offered to all creditors and not just the one. I am sorry if my earlier posting did not make this clear.
Regards, Melanie Giles, Insolvency Practitioner
 
 

Rosepetal

User avatar
Posts: 1304
Joined: Thu Nov 25, 2010 6:04 pm
Location: United Kingdom

Post by Rosepetal » Thu Jan 20, 2011 12:49 pm
Missy,thank you for that, i read it and cried-yes you do understand! that's a comfort. things are moving along, we talk to Claire today & hopefully Melanie very soon after.

so tell me what happened,assume your IVA went through? how are you coping now?

it feels like i'm living in limbo at the moment.
thank you for the kindness xx
Nothing stays the same...everything changes..hang on in there!
 
 

missy80

User avatar
Posts: 184
Joined: Mon Mar 01, 2010 9:22 am
Location:

Post by missy80 » Thu Jan 20, 2011 5:06 pm
Hiya!

My IVA went through on 9th September (weirdly, my divorce went through on the same day!) The best thing is the creditors not calling anymore and the threat of people knocking on the door. Until I read this again I had forgotten I had disabled my own doorbell - but wow, I really did!

It's so much better now - my life is not comparable with how it was for the first 9 months of last year. You are in the best possible hands with Melanie and Claire. I spoke to them on the phone and she said I sounded like a totally different person to the one basically having a breakdown on here!

It is difficult not living on credit but the relief is also amazing - it helps me to think of it as a different way of life rather than a terrible thing (rather how I think of dieting!)

Your story really hit a chord with me. I'm sending you lots of good wishes and thoughts.

xx
 
 

leaKybrain

User avatar
Posts: 1102
Joined: Tue Apr 01, 2008 10:12 pm
Location: United Kingdom

Post by leaKybrain » Thu Jan 20, 2011 11:19 pm
Rose that living in limbo bit is a normal feeling, its the not knowing, hate waiting bit.

Missy, it is a relief isn't it. Christmas wihtout credit, YAY, we can do it.
 
 

MelanieGiles

User avatar
Industry Expert
Posts: 47612
Joined: Tue Jan 09, 2007 10:42 am
Location:

Post by MelanieGiles » Thu Jan 20, 2011 11:39 pm
We'll get there for you just as soon as we can Rosepetal. I know that you are aware of this, but we do understand how stressful your current situation is for you.
Regards, Melanie Giles, Insolvency Practitioner
 
 

Rosepetal

User avatar
Posts: 1304
Joined: Thu Nov 25, 2010 6:04 pm
Location: United Kingdom

Post by Rosepetal » Fri Jan 21, 2011 9:39 am
hi, thank you for your kindness,you guy's blow me away!
the doorbell thing made me smile Missy. when that man was banging(not knocking)on my door i hid- i felt so awful& frightened. a divorce and a IVA in one day - WOW what a emotional day! big hug.

Leaky,so it's not just me feeling i'm in limbo??? that's good to hear.

i really think you guy's have kept me from falling over the edge in the last few months[:)] i'm scared i'll fall into a deep depression,there's been so much to deal with,some of the things my husband has said floor me. feel like i'm falling apart but i'm really doing my best. i look wrecked!

Melanie,thank you. Claire was very good yesterday,v patient. we're talking to Tina again later. i'm very worried about choosing the right path.

big hug you guy's x
Nothing stays the same...everything changes..hang on in there!
 
 

kallis3

User avatar
Forum Expert
Posts: 76060
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Jan 21, 2011 9:41 am
Once your IVA is approved you'll wonder what all the fuss was about!
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
 
 

Julie

User avatar
Posts: 9503
Joined: Thu Feb 14, 2008 10:56 pm
Location: United Kingdom

Post by Julie » Fri Jan 21, 2011 11:06 pm
I agree with Jan, once the IVA is underway and the message filters through to creditors, you will feel relieved.

Keep posting for support xx
 
 

Rosepetal

User avatar
Posts: 1304
Joined: Thu Nov 25, 2010 6:04 pm
Location: United Kingdom

Post by Rosepetal » Sat Jan 22, 2011 2:41 pm
hi Kall& Julie, yes i was thinking about that after some of the things Tina said to us, i think dealing with these calls and horrible threatening letters is adding to it all especially as i'm home all day-there's no escape from it.
i can see from reading Missy's posts before her IVA and then after the difference,so much more positive.
limbo isn't a great place to be!Mel's team have worked quickly especially as we had Christmas & all that snow.
have a good weekend....no calls so far today!
Nothing stays the same...everything changes..hang on in there!
 
 

kallis3

User avatar
Forum Expert
Posts: 76060
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Sat Jan 22, 2011 2:58 pm
Glad you are feeling ok Rosepetal - don't let the calls get you down. You will get it sorted.
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
30 posts Page 2 of 2
Return to “Ask IVA Forum and Industry experts”