www.iva.co.uk

Firstly, a huge thanks to everyone who posted on the 'unsure' thread, all your kind words and support dragged me through a rough couple of days.

Well today (after chickening out last night) I spoke with Melanie, instantly felt better. I also spoke with her team and they are lovely.

This afternoon I finally tackled my new boss about my new role/office. It turns out this area of my life could end up turning out quite well if I 'go with the flow' for a few weeks and let everything settle down.

After work I went to my old bank who is one of our creditors and cancelled all DD's and SO's took out all the cash and asked them to close the account (I also passed the cashier a letter confirming what I wanted them to do). As everyone had told me they didn't bat an eyelid!

I have also telephoned all our utility companies, mortgage etc and changed the banking details with them.

I know the worst is to come but I feel so much better having done this. Tomorrow nights task is to gather paperwork, fill forms and send them off to Melanies office - We are taking one day at a time.

The final, final, absolutely last straw came when we received our statements for Virgin (MBNA) and realised that I paid something like 20p off my balance and the rest was interest and my oh paid £136 and it didn't even cover the interest therefore the balance went up by £90?? We have telephoned this company on more than one ocassion over the past 6 mths as they keep putting the interest up to 30%. We cannot compete with this anymore.

Sorry for the long post, I'm really grateful to you all and happy to be posting something a bit more positive! xx [:D][:D]

Great news Marie ... well done ... it's a lovely feeling isn't it! [:)]

Debbie

Hey Marie - that's a really positive post, and sounds like you are starting to take control. Well done - and each day you will feel a little stronger.

Glad you are feeling more positive Marie, you sound well on the way to sorting things now. Well done.

Glad news on the job front sounds positive also[:)]

The forum really helped me through the whole process of proposing my iva and continues to help me now and it is a fab place for support and advice.

Melanie and her wonderful team will look after you every step of the way now[:)]
Best wishes
Emma x

good on you marie am so pleased, you have done such a lot today, like you say just take one day and step at a time.

it is a great feeling though just taking that initial step, am really chuffed for you and will be on here supporting you all the way

take care

barb x

Marie, what a great post (apart from the mbna bit). So glad you are sorting everything out, you must feels tons better. I'm sure it will all get better from here. Isn't it funny how we all dread that first phone call, whether it be to Melanie or another debt advice company, but afterwards you feel so much better. Thinking of you. Viki X

Oh, and by the way, I love your bunny! X

Other half logged onto to bank and 3 of the direct debits that I cancelled after work (4pm) have been reinstated already!!

What's that saying "and let the fun begin" - NOT!!

Thanks for your nice replies. xx

I just cancelled mine online Marie.. won't let me close account as when they took loan payment they made me overdrawn!!!

Glad you're feeling better, just think of everyday as a step closer to being debt free!

Hi Marie is it their loan s they have reinststed. If so then just leave them to default they cant reinstate others as you have cancelled them an moved them to another account. Well done though, you sound so much more positive. You have a brillant Ip, so try to relax, you can do no more .
All the best
Ang

Hi Marie,just wanted to say well done for getting things under way,it's a good feeling isn't it to know that there are other people in your position.Of all the things the forum has taught me i think the most important thing is that your not alone xxx