www.iva.co.uk

Hi all,

Been in IVA since September 3rd and am still waking every morning feeling sick. It is still early days I suppose, but has anyone esle had these feelings? If so, how long does it go on for? I thought I would be OK by now and I must admit, it is the best thing we could have done, but something is niggling me and I can't put my finger on it. I'm not eating as well as I should be as I have a constant nauseous feeling, although I'm not actually being sick. Sorry to whinge. I hate feeling sorry for myself and want to snap out of it but can't seem to find the energy to do so.

It is very natural to get a feeling of anti-climax for several months after an IVA has been accepted. You almost start to feel guilty for not having anything to worry about, and many of my clients report the same feelings so you are definately not alone.

A good thing to do is to allow yourself a treat once per month - such as as a meal out, trip to the pictures, drive and long walk in the country, go and visit a town you have never visited before. This does not cost a lot of money, and gives you a target to focus on to soak up all of that unused brain matter.

Its been over a year now since my bankruptcy but I am still a bag of nerves. Constantly worrying and stressing over things. We have moved house 3 times in the past 4 years, that is stressful in itself. I still do not answer my phone, (I just google the number afterwards to see who it was) I shake and get palpitations when it rings or when anyone knocks on the door,(I requested my credit file and there is a tracing agency on there, doing a search only 3 weeks ago, so I am constantly expecting a creditor to rear their ugly head) I don't think I'll ever get over it[V]

Davram, it's natural to feel like this so early on. Once you get used to the budgeting and you realise that the creditors aren't on the phone every day then you will start to relax. Just keep posting on here, lots of people feeling the same. [:)] X

Hi Davram,
I am totally the same, I'm over yr into my IVA and still get those feelings all the time.
When someone knocks at the door, when an unexpected letter arrives or when the phone rings and each time its nothing at all, the door bell ringing is just a parcel being delivered or a neighbour wanting a yap, the letters are just from the pools or another form of advertising and the phone is just for someone else in the house but I stil can't stop thinking, 'what if its.....'

As Melanie says, its just your brains way of dealing with it all, some people just ignore it and maybe some people just forget about it all but we are in the group of people who can't.

All I try and do is to remember when the monthly payment demands used to arrive and how I felt then, how on earth am I gonna bounce around my money to pay them?

Don't want that feeling to ever come back, you have done the right thing with your IVA and once its over...imagine how you will feel then ???

Guess whats just happened?
The doorbells rang......[:0]
And its to take a parcel in for next door........nothing to worry about at all[:I]

I think most people feel that way Davram. I felt on top of the world when I went BR but it hit me afterwards. I felt quite low and I ended up with a migraine followed by a lovely big cold sore - I looked stunning!

You will get through this, you're on your way to a debt free future and as you get further in you'll feel better.

One thing, at least as a bloke you can say you wake up feeling sick - last time I mentioned that everyone thought I was pregnant! [:D]

Seriously, I hope you feel better soon x

davram and jane...the feelings will change as time goes on....all of us can identify with what you are feeling and going through...but we are all proof that life somehow or other gets back onto an even keel
yes we do have some bad days even months into IVA or BR.....but thats just life....

keep posting and reading...read some of the blogs and you will see that your feelings are normal....

I sometimes sit here and wait for the bubble to burst. Things have been running along very smoothly, and I keep thinking that it can't last.

You will feel better Carl as time goes on.

Whenever you have been in a stressful situation it takes your subconscious time to realise that it is all over and you do not need to worry about it.

These feelings of panic are normally more severe when you wake up or have been dozing off. You automatically think back to the time when your creditors were banging on the door so to speak and every letter was a demand for payment.

I know that it is not really the same but I remember that for years after leaving school, I used to wake up in a blind panic thinking that I had not done my French homework. I can thankfully say that I do not worry about this anymore.

I hid in the toilet when it was time for french class![:0]

Are you worried that you may not have enough money to go around?? Sometimes I used to think if something goes wrong what will i do I have no reserve cash. no credit cards ect....Also its fear of the unknown. Just try and remain positive I have, I also dont want to finish my IVA early I feel safe in it!! This is a fab place to be the forum is so supportive (sometimes I want to go home to my mum and dad)and never have to worry again, to be looked after!5 years seems a long time, but i have just done 21 months and its gone so quickly. You know it may be easier for new IVAer's because credit or lack of it is being discussed much more now than 3 years ago xx Good luck take some deep breaths and hold them and slowly release it works for me take care lovely xx Karen

Viki.W wrote:

I hid in the toilet when it was time for french class![:0]

Had you been in the class you would know it as La toilette!!



(I was missing from french too,so someone may well correct me!!)

[:D][:D][:D] I had a phobia about french class! Don't ask me why. X

I sometimes wonder how I will cope if I need to make a major purchase like a washing machine and I don't have the money. That bothers me a lot.

If I were your IP Kallis, I would tell you to miss a payment and purchase the washing machine. You could then make up the payments by slightly increasing your future contributions or tagging the missed payment to the end of the arrangement.