Hello everyone.. it's my first post, so please be gentle
I have finally seen the light and decided to do something about my situation.
My debts were,for the vast majority, built up whilst in a very controlling and abusive relationship (although we are now safe,have been a single parent for last 5 years, I find it extremely hard to trust people)
I was sick of robbing Peter to pay Paul, and decided to take control.
I have gone down the route of applying for an IVA (after having some good and helpful advice from Credit Fix)
My debts are as follows
JD Williams £300
Can anyone give me any rays of hope that the companies above will accept the iva (my payment will be £113 a month)
I am so, so, scared.. I just want to have the iva in place (creditors meeting 10/09/2020, my birthday
and be able to breathe easy again, sleep without lying awake worrying, and not have the fear of constantly looking over my shoulder and fearing a knock at the door..
My IP has said that they wouldn't put the proposal forward if they didn't think it would succeed.. is this correct?
I now have a strict budget in place (drawn up with some help from the IP advisor), only pay in cash, leave my card at home, and have cancelled all of my creditors DD's on advice..
This will enable me to save some money, badly needed, as I have NEVER had the chance to do this..
So sorry for the long post (used to apologising over stupid things all the time, a habit I need to break)