FEELING LOW

[JMW1969]

HI I heard from Liberta financial today. will phone onfriday to go hrough the paperwork from vincent bond and discuss my options and iva request. its been 7 long weeks since i contacted VB and been able to make first payment now dont feel too confident they will accept it. to mak ematters worse the letters from creditors are coming thick and fast. i feel like im back at the start of the process waiting to go through my whole debt problems again! [:(]

[Shining]

Hi there, it can be a stressful time the lead up to the final part, I'm sure a good proposal will be accepted. The best solution for you will be offered on Friday as you're with a great company who know their stuff.

All the best and remember we're all here to help suport you every step of the way. x

[clareyfarey]

Hi JMW. It's not a nice feeing at all waiting for it all to go through.

Mine took 12 weeks from initial contact to creditors meeting, so you can imagine the ferocity of some of my creditors by that stage!

Here's hoping you get the outcome you want on Friday. Your creditors can't harm you; if they call just be firm and polite to them.......I know it's hard but the forum is here for you!

Take care

Cx

[JMW1969]

ive been so positive with vincent bond and gathering all the paperwork-its the uncertainty now the IP will look over everything thatis stressful= i know vb consulted them first but it feels hard to be waiting again to tell them my story and hope things move quickly

[clareyfarey]

It just takes time, and understandably you feel helpless right now.

You've done what you need to do, VB know what they're doing, it's in their hands now.

What will be will be, but you can't make it happen any quicker. Try and relax, knowing you're doing the right thing.

Let us know how you get on, keep smiling

Cx

[MelanieGiles]

Liz at Liberta is a lovely person, and will put you at ease straight away. I am sure she will be able to sort things out for you very soon.

[toolbox]

Hi JMW, sure i'm in the same boat as you, i've had daily calls now with my own IP MCCD, all going forward and a date of 9th August for the creditors meeting. yeah to be honest im feeling quite anxious, so much so im experiencing chest pains, all stress related so i'm not bothered too much. its one of them things that we can't rush. clareyfarey is so right, they can't hurt you, all will be fine

[JMW1969]

thanks everyone your kind words help so much- you are right , i can't make it happen any quicker but will sit tight and wait for their call. will let you know how i get on xx

[Julie]

Just remember every day is a step closer - you've already done the hardest bit, facing up & contacting someone to help clear your debts. So be proud of yourself [;)]

Good luck for the Friday phonecall and please use this site for help and support.

xx

[JMW1969]

Hi everyone
just gone through evrything with liberta financial. its ok and they will do the iva but need more info and signatures first- feel like using vincent bond first may have delayed things - its now 7 wks since spoke to them! but never mind the road to debt freedom is a bumpy one! glad things will move forward from next wk!!!

[Julie]

Sounds like you're almost on your way JMW1969, what info do they need?

xx

[JMW1969]

I think the most recent bank statements and wage slips and upto date credit statements and insurances . nothing i dont have to hand. plus signatues on authority to act on my behalf. then they will draft proposal so next week should get it moving.[^]

[Julie]

That sounds straighforward, you'll get your creditors meeting before you know it.

You're "sounding" more positive now [:)]

xx

[JMW1969]

Yes I think I am julie, thanks for your support.
I think its waiting for the post to come back and forth that frustrates me but I will feel better when the letter of authority goes back and I can relax and know they are dealing with creditors on my behalf!

[Julie]

It is a frustrating & stressful time, but once the IVA is under way, you'll see its all been worth it.

Make sure you take copies of any documents you send - just in case anything goes missing in the post. I don't think it happens often, but just in case.

xx