Thank You...

[UpToMyNeck]

Hi Nicola,

Dont you find coming on the forum a huge help? I know I did when I was in your position, I thought I was the only one in the world with debt problems, and having a read through this site for a couple of weeks before I picked up the phone really helped give me the confidence that I was not alone, and there was always someone willing to offer advice. True, there are stories of people not getting what they were hoping for, but for every one of those, there are many more stories of peoples lives being changed for the better, and Goosed it at that turning point now, I've been there, and I am sure you will be too! Stick with it hun, its a lonely place on your own with only people in your everyday life to deal with who you probably dont want to discuss your problems with - noone knew about my situation apart from the people on here, so it was a relief for me to have someone to talk to at the end of a long day bottling everything up.

[Nicola.sa]

Uptomyneck, thankyou, you are so right!! I really need to focus on the positive stories which the majority on here are!! I just feel so vulnerable and the fact that we owe considerably more than most of the people on this board makes me nervous too!! It could be a couple of more months before we are in a position to proceed with the IVA. We are hoping to do a F and F IVA from money that my parents are going to lend us interest free. Unfortunately my mum is waiting for an inheritance to go through probate and apparently it takes a few months for this process so there is nothing for it rather than wait! Thanks for your support!

[UpToMyNeck]

Anytime!

I dont know how much you owe when you say you owe more than most people on here, but I owed c. £100k, and I also did a F&F IVA with a parental loan, so if it worked for me, there is no reason why it shouldnt work for you if you decide that is the way to go.

It did mean I had to tell my parents everything, which was probably the hardest thing I have had to do in my life, but they were very supportive, and I will always be glad I turned to them.

Keep yer chin up!! [;)]

[Nicola.sa]

I owe about £11,0000 more than you did so our stories are very similiar indeed!! Thanks for the words of encouragement...its great to hear your F and F worked!!! Off to read more of your posts!!

[dw1983]

Congratulations

[toolbox]

Brilliant news bud, mine went through today also

[Shining]

I always thought I was alone in debt and owed the most amount of money ever owed and was so iresponsible, the forum helped me tremendously with my self confidence and realised I wasn't alone. Along the way I've made and met good friends whom I expect to keep for way past my IVA. The forum is a godsend. x

[Nicola.sa]

Anytime!

I dont know how much you owe when you say you owe more than most people on here, but I owed c. £100k, and I also did a F&F IVA with a parental loan, so if it worked for me, there is no reason why it shouldnt work for you if you decide that is the way to go.

It did mean I had to tell my parents everything, which was probably the hardest thing I have had to do in my life, but they were very supportive, and I will always be glad I turned to them.

Keep yer chin up!! [;)]

Uptomyneck, can I ask what your dividend was?

[Lou74]

Congratulations Goosed!
I am with the same company as you, although just starting out. It really encourages me to hear such positive stories on this forum.
Nicola, I too owe a similar amount to you, so you are not alone!
Before I found this forum I felt as if we were the only ones with such huge debts and I felt embarrassed and ashamed. I'm still not proud of myself, but, thanks to everyone on here sharing their stories, I realise that we are not alone.
I've got my husband, and we are really supporting each other, but right now I'm finding it hard to look friends and family in the face, especially my parents, whom I am so close to. So being able to ask questions, or just to vent on this forum is an absolute godsend!

[Nicola.sa]

My parents are very old school when it comes to finances. They don't take any credit that they can't pay off right away. They are absolutely mortified by what is happening with us although they both said they saw it coming. The bulk of our debt was down to a rogue builder who really took us for a ride!!

[Lou74]

Well done for finding the courage to tell them. We've decided not to tell ours. They would both really worry, and I don't think either of them could help us at all, so best they don't know. It's really tough though.
Just trying to think, in 5 or 6 years hopefully it will all be behind us, and we can get on with our lives

[MelanieGiles]

Goosed - I am so happy for you, as you know I have been fairly involved in your case on a personal level and it is such good news as I know how much you wanted the IVA to be accepted. Here's to the next 5 years of working together!

Nicola - I am sure you are aware of this, but you don't need to wait until you have the money to put forward the IVA. It can be done on the basis that the money will be introduced as some time in the future, and it would stop all of the hassle in the meantime.

[kallis3]

Congratulations Goosed.

[UpToMyNeck]

Hi Nicola

I think it was somewhere around 26p/£ but cant remember the exact figure without digging all the paperwork out.

[Goosed]

Thanks all for your kind congratulations.
Lou74, you will be fine and soon be in the same position as me, you are in the best of hands...and Melanie`s staff all genuinely care.
Nicola, at least give Melanie a call and listen to what she has to say...trust me, you will feel so much better after speaking to her.
Kallis3, thank you for all your gee ups and advice, plenty of which I heeded.
Melanie, I really look forward to liasing with everyone at your offices over the next 5-6 years...I know full well it`s going to be hard work with plenty of troughs along the way, but I know the journey will be made that much smoother by the people you employ.