The first steps

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Rockin Diner

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Post by Rockin Diner » Mon Jun 23, 2008 4:04 pm
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Today is a milestone. We have phoned the National Debt Hotline and been in touch with Melanie. Already we feel relieved that we have shared our problems with sympathetic people. Long way to go yet but keep your fingers crossed.

God this is nerve racking.
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Moneystinks

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Post by Moneystinks » Mon Jun 23, 2008 4:05 pm
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What a great feeling tho hey..... Finally on the road to sorting everything out.

Good luck
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Jan01

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Post by Jan01 » Mon Jun 23, 2008 4:24 pm
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Good luck now you have made the first step I am sure things will get sorted for you

Welcome to the forum I wish I had found this site 3 years ago.
Jan
Nothing you can buy feels as good as not being in debt.
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Viki.W

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Post by Viki.W » Mon Jun 23, 2008 4:26 pm
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Hey Rockin Diner, welcome to the forum. Glad you made the first step and also glad you decised to post. Keep posting as everyone here is great and you'll find lots of encouragement and advice. Viki 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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MelanieGiles

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Post by MelanieGiles » Mon Jun 23, 2008 4:27 pm
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The first step is always the steepest and longest, but once you have shared your difficulties with people who can really help you, the gradient curve diminishes and the light at the end of the tunnel can be seen. The very best of luck with your journey.
Regards, Melanie Giles, Insolvency Practitioner
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angela18

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Post by angela18 » Mon Jun 23, 2008 6:18 pm
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good luck we are with melabie and she and her team are brilliant
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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e.h

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Post by e.h » Mon Jun 23, 2008 7:37 pm
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Good luck Rockin Diner.

It will be hairy for the next few weeks but hang in there and you'll be okay. We've all been in your shoes and have come out the other side.

Keep us posted.

Liz
x
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Skippy

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Post by Skippy » Mon Jun 23, 2008 9:14 pm
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Hi Rockin Diner and welcome! Good luck with your IVA, you're in safe hands with Melanie.
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michael.t47

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Post by michael.t47 » Mon Jun 23, 2008 9:22 pm
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welcome rockin an good luck
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trina

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Post by trina » Mon Jun 23, 2008 10:08 pm
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hi rockin diner

I know exaclty how your feeling, I too felt relieved after the inital first phone call, keep posting and we will all support each other

Good Luck

Trina x
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Soulgrowth

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Post by Soulgrowth » Mon Jun 23, 2008 11:07 pm
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Good luck ... you have made a life defining decision today "today the first day of the rest of your life" ... keep in touch with the Forum, we are all here to experience your personal journey alongside you [:)]

Debbie
Debbie
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Rockin Diner

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Post by Rockin Diner » Wed Jun 25, 2008 11:54 pm
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Hi all
Thanks so much for your support and messages. We are going to talk to Melanie tomorrow. We keep veering from one extreme to the other ...should we borrow our way out of this again or finally admit defeat and go for an IVA? We've both been brought up to believe that you should repay your debts and feel very guilty about reneging on this by going for an IVA. Also the worry - what happens if it doesn't get approved .... does everyone feel like this at first?
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plasticdaft

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Post by plasticdaft » Thu Jun 26, 2008 6:41 am
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Yes,everyone feels like its all going to go wrong,but the Ip's are there to try and make sure it doesnt go wrong,just be open and honest with them and you wont go far wrong. Remember not to leave yourself short when filling in your income and expenditure(I&E) forms because its hard to budget if you give yourself unrealistic amounts each month for food etc(lots of threads on here ref. I&E)

Good luck sorting your life out.

Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
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no more plastic

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Post by no more plastic » Thu Jun 26, 2008 9:11 am
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Hi Rockin Diner
Welcome to the forum, totaly understand your feelings about feeling guilty but you have made the right decision to try to get things sorted out without further borrowing. I am also at the start(with Melanie) and get concerned about things going wrong that's only natural but you are doing your best to try to pay as much back to your creiditors.

Best of luck

Graham
If a leopard could cook would he ever change his pots?
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