Moan

[maxdebt]

Dee can I first say as has been said before, you could not have picked a better IP so you have that going for you [:)]

Thanks to my IVA I am now an ex stressed husband!! The removal of the constant worry over debts, has had a marvelous effect on every aspect of my relationships with my wife, children and work. I am hoping it will do the same for you

4 down 56 to go

[Dee]

Maxdebt - I'm glad to hear it - there's hope for us yet.

[Martin2011]

Good luck Dee,

As Skippy says, the way to a mans heart is generally through his stomoach (although please ignore that if you're a surgeon!) Failing that, there are other ways to cheer a chap up and the best of these are even cheeper than a good meal and a bottle of wine.... I speak of course of a bracing walk through the crisp chill air of a British winters evening, followed by a nice cuddle....

Very best of luck getting a proposal together, I hope you get a solution that works for you, and to echo others, you've made a wise choice of IP and associates to work with,

Martin

[Dee]

Hi all

Just an update. Melanie has agreed to take up our case and I am in the process of getting all the paperwork together. I'm still feeling positive about the IVA and at the moment trying not to think too much about it not being accepted. I feel that if can be done then Melanie is the one to make the proposal the best it could possibly be for both my Creditors and myself. If it isn't accepted........I'll cross that bridge when I come to it.
I spoke to my Dad the other night. He lives in Spain and I don't get to see to him very often. When he came over at Christmas although my sister had made him aware of my situation I didn't feel able to talk to him about it directly so told him everything was fine. When things took a turn for the worse (when Abbey decided to withdraw my overdraft)I emailed him to tell him how bad things actually were. He didn't respond which left me to believe that he either didn't care or was too disappointed in me to respond. His computer had broken and he called me the second he picked up my email (11pm our time). Dad can usually be quite patronising and braggs a lot about his acheivements but to be honest he couldn't have been more supportive. He said he wished he could help but that his money was tied up in property. He did say that he could send me some money but I told him that we needed to get used to living on a budget and the sooner we learned how to do this the better. We decided it would be much more useful if I felt I could come to him in an emergency ie I dont think our car will last 5 years. I still hid a lot of my feelings from him because I could tell that he was really upset and although I'm learning not to be ashamed of our situation I'm still very aware that this is also effecting those people close to us who can see the pain we go through but aren't able to help. Helping ourselves by tackling the issue also makes them feel a little better which in turn makes me feel less guilty.

My Dad told me I'm too soft but as I told him there are worse things I could be and why should I allow other peoples behaviour to change me as a person. I see good in everyone and in every situation which on the whole makes me a happy positive person.

I'll keep you posted

Thanks for reading

Dee