creditors meeting nervous! monday 2nd july

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jue

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Post by jue » Fri Jun 22, 2007 10:35 pm
yes i got caught in a credit trap robbing peter to pay paul etc it doesnt make me feel proud just ashamed
 
 

westonr

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Post by westonr » Fri Jun 22, 2007 10:40 pm
Exactly the same here jue - and I'm sure its the case for alot of people on here too. Don't be ashamed, your being reponsible now, and if like me, have learned your lesson well.
 
 

MelanieGiles

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Post by MelanieGiles » Fri Jun 22, 2007 10:58 pm
You should not be ashamed to be taking a responsible attititude to debt repayment jue! Especially when bankruptcy could be a far easier option for you.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk
Regards, Melanie Giles, Insolvency Practitioner
 
 

jue

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Post by jue » Fri Jun 22, 2007 11:30 pm
well i might have to consider bankruptcy if my proposal gets rejected!the thought of it scares me to death! i feel so down at the moment my 3 year old son keeps asking why mummy is crying all the time
 
 

BlueShoes

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Post by BlueShoes » Fri Jun 29, 2007 11:23 am
Hi Jue
It is hard with kids to keep things normal for them. I have managed to save the tears for evenings once they are in bed. You have to remember that by taking action you are securing a much happier and predictable future for you and your son, and by the time he is eight (which will pass in the blink of an eye) all this will be well behind you, and you can move on with your life.
Reagards,
Blue
 
 

jue

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Post by jue » Fri Jun 29, 2007 11:41 pm
thank you blue for your kind words. its just very hard for me at the moment to try and live a normal life when theres only 3 days to go to my creditors meeting! im feeling negative about everything
 
 

scaredkez

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Post by scaredkez » Sat Jun 30, 2007 12:09 am
i am sitting here reading these posts and thinking this time last year this was me, going through all the same emotions as everyone posting now, its a hard rocky road, debt is such a horrible feeling, the emotions you are all going through are normal, last year was the worst year in my life so i do truly understand where you are all coming from, my kids didn't know where their mum had gone as all was left was a quivering wreck, crying all the time, i truly hope you all get what you want, you have to be commended for holding your heads up and admitting you have a problem,i wish you all luck for your upcoming meetings and if they don't go as planned there is always other solutions be it the ones you are afraid of, there is a way out and i believe whatever the outcomes are always meant to be, you will all live again and learn to enjoy your lives, so good luck and stop worrying none of you are going to be flogged through the streets and have to wear a big hat with a big debt sign on it, there are millions out there who are not facing up to reality, enough of me, hope all goes well will be keeping everything crossed for you all
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
 
 

lily

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Post by lily » Sat Jun 30, 2007 10:59 am
Me too Kerri

I was crying all the time also and just couldnt get through the day without feeling like it was the end of the world. I even cried at work but couldnt tell anyone why, its the most overwhelmed I have ever felt without the hounding from creditors. The kids pick up on it and it makes you feel worse cos they are so innocent. It does get better tho jue, I really hope it all goes smoothly for you, there is always a way and you will be happy again.

lily
lily
 
 

jue

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Post by jue » Sun Jul 01, 2007 7:43 pm
just wanted to say a big thank you for all your support i will let you all know how i get on tomoz.x
 
 

scaredkez

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Post by scaredkez » Sun Jul 01, 2007 11:32 pm
good luck jue
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/
Please view my blog at: http://scaredkez.blogs.iva.co.uk/
 
 

hallway

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Post by hallway » Mon Jul 02, 2007 6:20 am
Good luck for today, remember the stress all to well, be thinking of you.
 
 

aguise

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Post by aguise » Mon Jul 02, 2007 8:27 am
All the best jue, positive vibes for you this morning.

Angx
Please visit my blog at http://aguise.blogs.iva.co.uk/
 
 

jue

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Post by jue » Mon Jul 02, 2007 10:07 am
well NR said no! sat here crying my eyes out i dont know what to do
 
 

jue

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Post by jue » Mon Jul 02, 2007 10:30 am
my ip as told me to enter into a DMP then try again for an iva in a few months time. by the way NR rejected due to unsufficient funds being made to the loan ive had it 15 months
 
 

Adam Davies

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Post by Adam Davies » Mon Jul 02, 2007 10:31 am
Hi Jue
Well I,m very sorry to hear that.
Find out from youir IP exactly why it was rejected and what NR would rather you do.
There will be a way forward for you.
regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp
Andam Davies
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