How do I feel?

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Moneystinks

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Post by Moneystinks » Thu Jul 17, 2008 4:15 pm
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I got asked on Saturday at the FF how I felt about the IVA process and my coming (as it was then) creditors meeting. [:D][:(][:D]

I didn't really know what to say! How did/do I feel? [:0]

At the beginning I was scared, unsure, nervous, guilt ridden, confused etc. As the process progressed and the more informed I became and the more support everyone on here gave me whether it be answers to questions or daft responses to my daft posts the more relaxed I became. [8D]

I genuinely didn't feel anything today (apart from boredom lol). Whether right or wrong I just knew that whatever the outcome it was meant to be and that I would come back from it (eventually). I believe god only throws at you what you can cope with and no matter how difficult things get there is always a way. This I know in my heart to be true.

Today is now officially the first day of paying back what we can to our creditors - We have had our IVA APPROVED. We are now officially insolvent.

So, Melanie and team, I am really pleased and also very grateful. I'm sorry I wasn't jumping up and down but I have had a thought on why this is - we all come on this forum desperate and scared feeling there is no way out, the process is sometimes quite lengthy for obvious reasons so by the time we get our IVA's approved we are usually a bit more settled and calmer. We are more informed about our options and have a great support network to fall back on in times of darkness. Also, it has to be mentioned that you (Melanie) and your team do take the time out to make everyone and especially your clients feel at ease - you have done a good job with me as I was confident you would see us right. It is the way you run your team and the way you have dealt with me personally that has given me my belief in your company.

(OH is also over the moon).

So, again THANKS TO EVERYONE.

P.S. Do I come across as 'hard' (Melanie [;)])
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Skippy

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Post by Skippy » Thu Jul 17, 2008 4:18 pm
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Congratulations Marie, I'm really pleased for you xxx
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kallis3

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Post by kallis3 » Thu Jul 17, 2008 4:19 pm
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Marie, that's fantastic news. So pleased for you.

You can go away tomorrow and enjoy yourself.
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
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Shining

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Post by Shining » Thu Jul 17, 2008 4:22 pm
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Fab news x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Viki.W

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Post by Viki.W » Thu Jul 17, 2008 4:23 pm
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CONGRATULATIONS Marie![:D] I'm so happy for you and oh. Great post. You can move forward now and enjoy that holiday. Big hugs to you both. X
If you would like to talk to me about your debt problems, please visit:
http://www.vincentbond.com/about_us_Viki_Warbrooke.asp
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Julie

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Post by Julie » Thu Jul 17, 2008 4:39 pm
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Congratulations Marie x
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angela18

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Post by angela18 » Thu Jul 17, 2008 4:51 pm
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well done Marie.. I was numb when mine was accepted.. just said ok when sarah phoned.. its a weird feeling isn't it.. i've moved from being numb to dumb now
Ang.. 13 payments in.. WOW, thats over 20% paid!! http://angela18.blogs.iva.co.uk/ well here we go

if you wish for a rainbow... then you have to put up with the rain xx
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freelili

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Post by freelili » Thu Jul 17, 2008 6:50 pm
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Well done Marie, its a scary time but with the support of everyone and a good IP you got there in the end.
LILY

http://freelili.blogs.iva.co.uk

I asked God for an answer, I have to live with his reply.
Exsisto an angelus quod planto quispiam sentio melior.
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chris.g

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Post by chris.g » Thu Jul 17, 2008 6:51 pm
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Great news Marie, well done for keeping it together. Good luck with your debt free future, xx
It's nice to be back......
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pixie

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Post by pixie » Thu Jul 17, 2008 6:52 pm
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Well done Marie!
It'll sink in soon!
For me it was a mixture of 'oh so that's it' and 'omg what have I done!!'
The stress and depression had been there that long it took a while to chill out! The funny thing is that I didn't bat an eyelid to a five year loan yet felt like I'd signed my life away for 5 years in the iva!!
All the best for your debt free future
xx
Pixie
'Welcome to where ever you are, this is your life you've made it this far, welcome, you've got to believe right here right now is exactly where you're meant to be'
IVA started may 07 ended dec 08
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rockbottom

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Post by rockbottom » Thu Jul 17, 2008 7:59 pm
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Marie im so pleased for you, a BIG CONGRATS [:D]

rb
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aguise

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Post by aguise » Thu Jul 17, 2008 8:11 pm
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Great news Marie, I am so pleased for you. I know what you mean about feeling a little numb but I think there are so many emotions up to the point of the meeting that, when it finally is over as such it is hard to take in. I found my elation built when suddenly all the phone calls stopped and the bills through the door. That was just the best feeling and still is after 8 months. All the very best to you both.

Ang xx
Please visit my blog at http://aguise.blogs.iva.co.uk/
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Lisa2009

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Post by Lisa2009 » Thu Jul 17, 2008 9:05 pm
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I have just logged on and have to say CONGRATS Marie. I'm soooooo pleased it was accepted.
Enjoy your debt free future you deserve it

xx lisa xx
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


Nil carborundum illegitimi
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Adam Davies

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Post by Adam Davies » Thu Jul 17, 2008 9:08 pm
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Hi
Great news,made my day
Regards to you both
Andam Davies
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Moneystinks

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Post by Moneystinks » Thu Jul 17, 2008 9:29 pm
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Thank you to everyone it means a lot!

I have only just sent Melanie an e mail thanking her - I have not been able to find any words worthy of how I feel. She is a special lady! [:D]
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