Decision day

Get expert opinion. This is the place for new questions to be posted.
  • 1
  • 2
23 posts Page 1 of 2
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 7:26 am
Well today has arrived (although with amount of sleep I got, it's hard to tell where yesterday ended and where today began). Was thinking back to 2 years ago when I sat up most of night on the stepchange website looking up options. Iva came up and the prospect terrified me. I felt totalling alone and scared of taking that first step so I put it out of my mind, told myself it would never come to that and lived in denial for another 2 years. Now here I am hoping my iva will be accepted this morning ( still have few niggling doubts it won't). Last couple months have seemed an enternity but have felt such relief in taking action. Saw on news last night that record numbers now in credit card debt, all probably feeling how I did, alone and out of control. Will be a long morning this morning but at least either way the waiting will be over :D
User avatar
Foggy
Forum Expert
Posts: 23212
Joined: Fri Dec 17, 2010 11:14 am
Contact
by Foggy » Tue Apr 04, 2017 7:30 am
Yes ! We are far from alone. I just hope more find us before they start their journey so we can help them through it.

I forward to good news later xx
User avatar
kallis3
Forum Expert
Posts: 71634
Joined: Mon Mar 17, 2008 4:02 pm
Contact
by kallis3 » Tue Apr 04, 2017 7:36 am
Food luck - I'm sure you will be fine. :wink:
User avatar
Kazza
Posts: 126
Joined: Mon May 23, 2016 2:07 pm
by Kazza » Tue Apr 04, 2017 7:52 am
Good luck from me too - but I think you'll be fine :D
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 8:18 am
I hope so. Jump a mile every time phone rings. Just the usual creditors!! Thank you. X
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 10:06 am
Update. Just had email from stepchange saying some creditors had voted and wanted me to check modifications and email back. They all seemed to be linked to iphone s fees so just replied. Said they will ring mid day with outcome of meeting
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 10:07 am
Sorry that was meant to say it's not iPhone!!!!!!!!!
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 10:13 am
God not again!! Meant to say IP's. Keeps changing my words!
User avatar
Foggy
Forum Expert
Posts: 23212
Joined: Fri Dec 17, 2010 11:14 am
Contact
by Foggy » Tue Apr 04, 2017 10:41 am
Isn't predictive text wonderful !? My phone actually has a dirty mind ( don't know where it gets it from ! :roll: )

Yes, IP's fees are often altered by creditors, but this raely affects us, unless we find ourselves in a position to pay 100% of the debt.
User avatar
Oya
Posts: 122
Joined: Fri Feb 03, 2017 8:35 am
by Oya » Tue Apr 04, 2017 11:13 am
Any news moria??
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 11:42 am
Yes oya it has been approved!! I am so happy and relieved. :D :D :D
User avatar
kallis3
Forum Expert
Posts: 71634
Joined: Mon Mar 17, 2008 4:02 pm
Contact
by kallis3 » Tue Apr 04, 2017 11:43 am
Brilliant! :lol: :lol: :lol:
User avatar
Oya
Posts: 122
Joined: Fri Feb 03, 2017 8:35 am
by Oya » Tue Apr 04, 2017 11:51 am
moira717 wrote:
Yes oya it has been approved!! I am so happy and relieved. :D :D :D

Well done :) i know the feeling, enjoy
User avatar
moira717
Posts: 195
Joined: Tue Feb 14, 2017 10:53 pm
by moira717 » Tue Apr 04, 2017 12:01 pm
Thank you both. Feel exhausted, think I will sleep tonight!
User avatar
Foggy
Forum Expert
Posts: 23212
Joined: Fri Dec 17, 2010 11:14 am
Contact
by Foggy » Tue Apr 04, 2017 12:27 pm
Excellent ! :-)

I don't often say "I told you so" ( well, not out loud ! ) but .........
  • 1
  • 2
23 posts Page 1 of 2
Return to “Ask IVA Forum and Industry experts”

Who is online

Users browsing this forum: No registered users and 21 guests