depression,stress,loss of income and iva

[kazzafunk]

Oh I'm so pleased for you and your wife. It must be such a relief to have some hope out of all the c**p you have taken. I'm glad the forum helped also. Please keep posting - it is very therapeutic and let us know any updates.

[Skippy]

I'm sorry, I've only just caught up with this. I'm so glad things are looking up oggler, and as the others have said please keep posting x

[oggler2001]

well i'm stunned and taken aback by all the fantastic replies we have received to our post,thank you all so very much.
if only you knew just how much better we feel from having posted a question on here,well it wasn't really a question more of a cry for help to be honest.
but,after that phone call from grant thornton my wife and i do honestly feel like this burden may well be lifted soon,thank god!.
thanks to you guys out there who gave us reassurance last night i actually had a half decent nights sleep,the first in many many months.
if only we had discovered this website a few years ago and put our concerns about our iva to you back then,maybe it would have saved us alot of heartache and worry?.
still,no use dwelling,its chin-up and fingers crossed to the creditors meeting going our way.
all you guys out there reading these posts on here should feel safe in the knowledge that we are all in the same situation,doing the right decent thing and having everyone elses support things are only going to get better!,we're sure!.
will keep you updated.
thanks again,to all of you x

[kallis3]

I am so glad that you are feeling better after speaking to the forum - we like to think that we are able to help.

I hope GT continue to assist you and please post if you have any problems.

[mummy1]

You've made me cry with your last post.
So glad you're feeling more positive about things.
Keep your chin up and keep us posted. x

[Judo]

oggler.
What a huge change since your first post. I really am so happy that you are feeling so much more positive now and thank goodness you posted the other night. Being able to vent is so important and you came to exactly the right place to do it! I hope that from now on you have many more decent nights sleep.
I am sure that GT will meet all your expectations and more and that they will get you back on the straight and narrow.
Best of luck to you and your wife oggler and please do keep popping in to let us know how you are getting on! xx

[kazzafunk]

Oh no - you've made me cry now - I shall pretend it's hayfever!! Hope you can sort something out with GT oggler and if you need to rant, ask questions or just say hi and join in, please do. Hopefully it will keep the positive mood going until you have sorted things.
[:D]

[andrewgoodman121]

Hi Oggler,
It seems like you are at your Wits End having to try and Balance a Family and deal with overbearing Debt and i think a bit of Support is Justified as i know how Stressful it can be.
It seems like you have found yourself Trapped in a No Win Situation and feel Ashamed and Helpless as you are being Backed into a Corner through No Fault of your Own.
I am sure you will get a lot of Sympathy from the Posters on the Forum as they all most probably know what you are going through.DO NOT DO ANYTHING STUPID as you are more of a Man for doing your best to get through it and there must be some Support out there for you.

[Broke of London]

Things are really looking up for you. Fingers crossed for your variation meeting and a fresh start. xx

[Shining]

So glad things are looking positive for you, all the best and do keep posting, someone is usually about to offer excellent advice and support when needed x

[mummy1]

How are things?

[dene12]

Oggler, just try to hang in there. It is as tough as life gets, I have 11 payments left, I have read your posts and I can see myself in many of your comments, the despair, waking up in the night sweating. I'm an alcoholic, but haven't had a drink since 28th June 2006, I have chronic depression, stress and paranoia.In my first marriage my wife had three still birth pregnancies. A year before my IVA (I had 61,000 of debt) I was diagnosed with diabetes which has now progressed to type 1. I have had two attempts at ending it all, both obviously failed. I tell you all this because there is always a solution, always someone somewhere or a forum like this or a something to cling on to and hang in there with. My second wife is my strength, she's helped me through the IVA and given me a reason to enjoy the second half of my life, hope this helps.

[kazzafunk]

What an encouraging post dene. Sorry to hear about all your bad news over the years, but the good thing is you are still here and you seem to have found a good woman to help you.

[oggler2001]

hello everyone,
just an update as to whats been going on and yes i'm still alive and kicking lol.
still off work unfortunately with no sign as to when i'll be going back.
grant thornton are currently arranging a meeting with our creditors to see if they will accept what is already in our IVA and bring it to a close.
unable to remortgage the house as there is no equity in the property but still leaves a shortfall of around £1,500.00 as to what should be in the pot so far,thats not including the £6,355.00 we were meant to raise by remortgaging.......should hear some news within the next 28 days so keeping our fingers crossed.
as you can tell from the time of this post being made i still struggle to get to sleep most nights,but i'm getting there.
wishing everyone on here all the best with their own struggles,its not easy i know!.
xxx

[oggler2001]

dene12 mate i feel for you!,i know exactly were you coming from......look after that woman of yours,they worth their weight in gold.....were would we be without them aye?
wishing you all the best.