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!
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.
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
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.
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!
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.
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.
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!
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
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!
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
