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toolbox

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Post by toolbox » Wed Jun 09, 2010 2:59 pm
In the past 10 days, I have come to acknowledge and accept my debt problems and with the help of a very understanding girlfriend, summoned the courage to make a call, that was to Andy Davie. Having spoke to him for over 15 minutes, and hitting him with relentless questions, my mind was made up. The journey is just beginning I know, but the alternatives were not an option ! I haven't even had my IP appointed yet but I am already feeling optimistic at the possible outcomes, yes I know it will be a hard 5-6 years but when compared to what it might have been like, then I look forward to it, and no, I'm not using rose tinted glasses either. I intend to make regular posts on the progress of my IVA, perhaps it may help inspire others. Thanks, and remember:

A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty.
 
 

millsy22

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Post by millsy22 » Wed Jun 09, 2010 3:04 pm
hi good to hear you have taken the first step we have just completed our iva and it is tough but at least you have a possitive outlook good luck for the future
 
 

toolbox

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Post by toolbox » Wed Jun 09, 2010 6:05 pm
millsy22 wrote:

hi good to hear you have taken the first step we have just completed our iva and it is tough but at least you have a possitive outlook good luck for the future
thanks for the reply, im full of trepidation as to just how tough it will be, but i know i wont starve, andy has been an immense help to me and has explained it, boths pro's and con's, the pro's in this case far outweigh the con's
 
 

Cath

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Post by Cath » Wed Jun 09, 2010 6:10 pm
Well done for taking the first steps, the next few weeks will be a bit rocky but then you will be well on your way and there's plenty of support for you here.

Keep us posted. xxx
7 year IVA completed in December 2016 - there is light at the end of that tunnel
 
 

Shining

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Post by Shining » Wed Jun 09, 2010 6:55 pm
Hi and welcome to the forum, we're all here to support each other and all the best with your chosen debt solution. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

marsha1

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Post by marsha1 » Wed Jun 09, 2010 9:47 pm
Hi Toolbox. I am just over halfway through my IVA. It is not easy but I think of it as like being in rehab.
I am proud to buy tings with cash. This year will be my fourth credit card free xmas. I am really learning to value money again. The best solution by far for me was the IVA route, I feel I have been given another chance. Good luck on your journey and please keep posting. This forum has been a great support to many.
 
 

kallis3

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Post by kallis3 » Wed Jun 09, 2010 10:34 pm
Welcome from me as well. Andy will look after you.

Any questions or support, you know where we are!
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
 
 

Cakie

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Post by Cakie » Thu Jun 10, 2010 8:08 am
Hi Toolbox,
Like you I had to do a lot of soul-searching before realising that things couldn't go on as they were. I'm not much further ahead than you in the process; I've had a couple of phone calls, gone through the figures, have made a couple of tough decisions and then hopefully will just confirm with DFD tomorrow so that they can send out the proposal for signing. Part of me is dreading the next 60 months, the other part looking forward to the fact that the money I use will be real - not credit, and mine!
I've learnt the hard way that you don't have to buy friends, or in fact buy anything at all just to prove you can keep up with the Jone's or even prove that you are happy to be single with a great career (well, I'm trying to tell myself that anyway!).
Good luck - I was very sceptical about using a forum but the support on here has been great, and I haven't even really started yet!

The decision to go down this route means that you can actually start living again - and I think I'll be using your wise words about optimism!
taking my head out the sand and starting over...
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