www.iva.co.uk

Well, firstly we're in the final! (Pompey)[:)]
Now down to business.I had a chat with Melanie last night and you're all right, she truly is a lovely person.Puts you at ease from the off and is very down to earth and easy to talk to.She has advised that we do separate Iva's and will be posting them to us next week so fingers crossed hopefully we are looking towards the end of the month for our meetings.Hope everyone is having a good Saturday it's lovely and sunny down here today.Just off to walk Boocie xxx

Glad all went well Trees. All the best to you both. Enjoy your walk.

Ang

told you she was lovely..

our meeting should be about the same time, got proposal this morning.. very daunting with court papers etc in.. got abit of a fright..

and its sunny, freezing, hail stoning and sleeting all at the same time time in north east!!!

Don't worry about the Court papers Ang, these days the Court are merely a post-box, but they do give you the protection you need from any ongoing hassle from creditors - so the Court is really an important part of the IVA for youm and remember they are on your side and not the side of your creditors.

I know Melanie, it just brings you down to earth when you see it all in black and white.. but we are ready for the next step in ur journey. Hopefully onwards and upwards!![:D]

got our proposal this morning too - am tryin to stay calm - but cant deny i am really scared - fingers crossed for all of us!!!

its quite sunny here today but cool -think i will take my 2 dogs for a walk later - get some fresh air and take my mind off things

take care

barb x

yeah we will... hopefuly

Good luck everyone [:)]

Debbie

thankyou soulgrowth

i have wanted the propsal to arrive and i have been relatively calm, but now its here i am just thiknin what if it does not get approved -
i just so want it all to be accepted - i dont expect sympathy i goy into this mess - i think i am just having a downer of a day

thanks for your support

barb

i know exactly how you're feeling.. absolutely petrified! feel like reaching for a bucket of sand to stick my head in for awhile!!

you know ang i keep thinking just how could i have let us get into such a mess, alls i want out of life is for my famil to be happy, healthy and have a good standard of living - i just love my children and husband so much i have wanted to give them everything - i have been too soft and irresponsible with money - i just think what a failure i am at the moment, got to pick myself up and stop feelin sorry for myself and get on with it

i think like you say its the realisation of seein it in black and white but on a positive note melanie would not be acting for us if she did not think we had a good chance.

thank goodness for this forum to let off steam

sorry for depressing you even more - am here if you want a winge too!

take care

love barb x

no i'm fine, i know we are doing the right thing!! i've decided self pity never did anyone any good!! so its now banned!!

Repeat after me - "Onwards and upwards on our journey to a debt free life. No more feeling sorry for ourselves! we've got our health and our families.. some people don't even have that.. "

onwards and upwards to a debt free life! there done!

i know we are doin the right thing and i know we cannot change the past!

u r right about our health and family which is the most important things, i realised that even more a few weeks ago when our eldest daughter lost her friend suddenly at the age of 17 and now when i think of the girls poor family it puts our problems into perspective!

today was the first day since i have entered this journey that i have felt down and i am sure it is part of the process - but chin up now and soldier on!

hopefully all of this waiting will be over for all of us and we will have a positive outcome - thanks to melanie and her team. at least we will have our own money to pay our bills and feed ourselves and not be living off money that we are borrowing.

i know we have done the hardest part by acknowledging our problem and facing up to them - well done to all of us for that

barb x

The waiting is always the worst bit, I've been waiting for nearly a year now for the time to be right to be able to offer a full and final settlement of my IVA. One thing it has taught me though is to be patient and that things happen in their own time. The experience has also contributed to a very philosophical approach to life ... what will be, will be [:)]

Debbie

as doris day once said.. Que sera

i believe in fate and that things happen for a reason!!

don't know what the reason for all the debt was though!!