Marcus.ot wrote:Funny that! Its your fault for getting me addicted to this forum!
Hi ThriftyWitch....I saw your thread and thought you reminded me of my wife...You can't be though, you speak much to eloquently :p
holly 1 wrote:Thank you Holly[:)] Its so nice not to feel like the only person on the planet with problems, or indeed to be made to feel like a complete wally who ran up debt! I know, from my short time posting, longer time lurking and our contact with Melanie and the team that we will be ok one way or the other![:D]
Hi Thriftywitch, a warm welcome to the forum from me too. I only joined a few weeks ago myself and the support ive had from everyone has been amazing. I had my meeting with my IP 2 weeks ago and am awaiting my iva proposal being sent out, like yourselves i had got to the point where i was using c. cards and payday loans just to get to my next payday. I was constantly stressed with worry and always had headaches and felt ill, till I realised enough was enough.You and your husband are not alone going through this and the advice and support you will get on the forum are second to none. Melanie and her firm seem to do a fantastic job so I'm sure you are both in excellent hands.lol xxx[:)]
Skippy wrote:[:)]
Welcome from me as well ThriftyWitch! It's good to have you on here, and as the others have said (and you already know!) you're in safe hands with Mel and her team x
ThriftyWitch wrote:Trust me you are not alone in this, your post looks so familiar I could have posted it myself and I dare say numerous other people could say the same. It's not until you come on here and see other people posting very similar experiences that you realise 'ok we've been a bit daft but we are not the only ones by a long shot' and it also doesn't matter how much you think your're in debt but I guarantee there's someone on here who can beat your figures! The main thing is you've done something positive about rectifying your financial problems and we're all here to help each other along the way. I'm with Melanie also and have got my day of reckoning (creditors meeting) on the 7th July. I already can't praise Melanie and her team enough, nothing is EVER too much trouble (although I've yet to ring her in the middle of an England game [:D]) They are extremely understanding and a real pleasure to talk to. I'm sure that everything will turn out ok for me, my wife and for you and your hubby.
Thank you Sinking Fast. I scared about not paying my creditors next month. We have some rent arrears which we have to clear as priority so the rest will have to whistle for it now!
Scares the hell out of me as up until now we have paid everyone (ok quite a few late payments but everyone got paid) the mess has been created by then having no choice but to buy food/fuel etc on credit cards as we pray for pay day....only to go right back round the vicious circle again! We never budgeted (or couldn't) for car MOT's, tax etc, so that all went on the plastic [:(] Something needs to be done! So I will wait on the calls in a couple of weeks time, they will either get me in a good mood or bad won't they!
justsurviving wrote:Thanks Jon. You hit the nail on the head, I can honestly say that I would not be this calm if it were not for the forum. When you say you thought my post sounded familiar, it actually a great thing! Guess its human nature to want to be the same as others, however when you have debt ruining your life you feel like you are stupid or something. People will judge, no doubt some of my closest friends would not truely understand if they found out, yet here, completely different story!! Guess you are all stuck with me and my hubby now!ThriftyWitch wrote:Trust me you are not alone in this, your post looks so familiar I could have posted it myself and I dare say numerous other people could say the same. It's not until you come on here and see other people posting very similar experiences that you realise 'ok we've been a bit daft but we are not the only ones by a long shot' and it also doesn't matter how much you think your're in debt but I guarantee there's someone on here who can beat your figures! The main thing is you've done something positive about rectifying your financial problems and we're all here to help each other along the way. I'm with Melanie also and have got my day of reckoning (creditors meeting) on the 7th July. I already can't praise Melanie and her team enough, nothing is EVER too much trouble (although I've yet to ring her in the middle of an England game [:D]) They are extremely understanding and a real pleasure to talk to. I'm sure that everything will turn out ok for me, my wife and for you and your hubby.
Thank you Sinking Fast. I scared about not paying my creditors next month. We have some rent arrears which we have to clear as priority so the rest will have to whistle for it now!
Scares the hell out of me as up until now we have paid everyone (ok quite a few late payments but everyone got paid) the mess has been created by then having no choice but to buy food/fuel etc on credit cards as we pray for pay day....only to go right back round the vicious circle again! We never budgeted (or couldn't) for car MOT's, tax etc, so that all went on the plastic [:(] Something needs to be done! So I will wait on the calls in a couple of weeks time, they will either get me in a good mood or bad won't they!
Good luck
Jon
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