You will be in very safe hands, there will be a solution for you and the future will soon start to look much better, and you will soon be able to get a good nights sleep. Keep posting, everyone is here for you whenever you need help and support.
Best wishes
Mike
I can agree with everything everyone has said. I have my creditors meeting in 2 days time, and it has been a road I was affraid, embarrased and every other neagtive emotion, to travel. But Melanie's team have made it SO smooth and comfortable a journey. I still feel bad because I have gotten myself into this situation, but anyone would feel that
The only thing I would say is now that you have decided to do something about it, be 100% honest when you talk to the IP and their team, whoever you decide to go with
Good luck on your journey
There are 10 kinds of people that understand binary, those that do and those that don't
Good luck with the meeting and look forward to seeing your post that it has been successful.
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
hi all.just thought i would say i havent left the forum...thanks for all the help.i have had some family health issues which havent helped matters! i havent yet enterd an IVA but i am still going too...i have opened another bank account with the cooperative a cashmider basic one but havent yet switched my wages or critical ddebits into it..i broke the news to my partner that i need to go down the iva route and got all the usual questions, will it effect her, will it effect our tenancy etc....been worried !
The IVA is not likely to affect your partner, and well done for having the courage to tell her about your financial difficulties. Good to see you back on the forum as well!
thanks melanie. we arent married or share any financial interests like joint bank accounts etc. we are seperate entitities (sounds awful) financially...
I think that as long as she pays a fair share into the household expenses, then her disposable income is her own.
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
i have just been on the UK insolvency site and it states that due to dpa an iva is on personal data alone and doesnt affect other people as its taken out in the iva applicants name only and only affects their debt. is this correct? she pays the rent on our flat. i pay all the bills.
As long as your partner contributes her fair share to the household expenses, then her money should not be touched.
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
once again melanie thanks.i am just getting my expenditure together..i owe a total of £47k in total including my overdraft of 700 pounds which i am always in a month.looks horrific and i am totally ashamed and embarrased about the last ten years of my life to be honest...wish i could start again.i have to go away on monday with work for ten days (good job work is paying for it) on a training course and i dont no whether i can focus looking at this now.harsh realities always hit hard.as soon as i am back im filling in the online form on your site and calling your firm..really want to start the ball rolling and get myself straight.i cant go on living on credit.makes me feel sick everytime i buy essentials on a card because all my pay is paying off the past...pathetic situation for an adult to be in
i havent yet enterd an IVA but i am still going too...i have opened another bank account with the cooperative a cashmider basic one but havent yet switched my wages or critical ddebits into it..i broke the news to my partner that i need to go down the iva route and got all the usual questions, will it effect her, will it effect our tenancy etc....been worried !
