www.iva.co.uk

Hi comrades - I've posted on here a few times and the support from all the regulars has been amazing so thank you for that.

I have my creditors meeting tomorrow at 11am. I am sitting at work today having a major wobble. I have had some correspondence with DFD who have been really helpful - even though I was quite curt in my email to them; it felt as if they didn't really care and I was a name and number but luckily have had some reassurances.

I will be losing my house as part of my agreement - I won't bore you with the details but it is absolutely the right decision for me. Having said that the last few days have been so stressful just thinking it all through and realising what a pigs ear I've made of things! I also got really angry with the friends I have told about my position as I felt as if they didn't want to know but actually after several cups of tea on Saturday I realise that they just didn't know what to say to me! This morning I was sorely tempted to ditch the whole thing...... is this normal? Its really hard to work out if some of the feelings I've been experiencing are just me going mad or is all part of this process? I've been quiet lucky in terms of being harrassed by companies in comparison to some posters on here, but it does make me think you have to be really tough to get through this!
I guess this is just the beginning. Its hard with all this going on and keeping a stressful job - my chocolate (and alchohol) intake has soared!! I am going to Cornwall on Saturday to go sailing for a week with a bunch of mad dinghy sailors. Luckily all paid for some time ago.
Hopefully this will take my mind of things but am I really cracking up or is this all normal?!!

Its perfectly normal to feel how you are right now.
Sit tight and keep yourself busy. Good luck

Hi Cakie, don't worry, you've reached the normal point of thinking "OMG what am I doing?" just before it happens. Take a deep breath and leave things to your IP and the creditors, you've come this far.

I'm sure many other who have been in ouyr postion will be on here to reassure you too - you're not cracking up just apprehensive.

I hope your friends you have confided in find ways of talking to you about this so it doesn't become a taboo subject. You might have to help them though.

Best of luck for tomorrow and let us all know how you get on. Fingers crossed,

Take care

I'm very sure you will be fine, i was in your seat this time yesterday and everything went fine.
I'll be thinking of you tommorow and looking out for your post when i'm sure i can congratulate you.
X

Cakie, I`m a fortnight away from my creditors meeting...I`ve done everything that I can now just like you have. You`ve sent all required documentation, information and figures and you are putting forward the best offer that you possibly can. Your IP will believe that too and will be confident that it will be a succesfull proposal, they certainly wouldn`t waste time and effort otherwise.
I actually have a slight feeling of helplessness now that I`m at this stage, my fate being in other peoples hands so to speak...perhaps you feel the same, but I`m sure your proposal offers your creditors much more than bankruptcy would, why would they refuse the best offer??
Sit tight Cakie, you`ll be alright.

Good luck for tomorrow cakie, everything is crossed for you, I am sure everything will be fine.[:)]

I haven't told any friends about our's just haven't had the courage, I think they would probably react the same as yours, I think it is quite a common reaction, I know if some one said it to me last year I wouldn't have really known or understood what it all meant. I might have asked what an IVA was (yes I was that innocent)

Hi Cakie

I was in your position a week ago. I didn't know which end of me was up! It is scary but you have lots of support. You have your IP and your friends and you have here.

Thinking about you for tomorrow x

Good luck for tomorrow

Phew!!! A few little changes but I can now start all over again! IVA was approved today - a few calls later and everything is in place - I can now go off to Cornwall on Saturday for a few days break without any more worry. That'll be the first time in years!!

Thanks to everybody for all their support on here - and especially to Declan at DFD - they have all been good but he has been particularly supportive and I am massively grateful - he's my new hero!!

Well done, you've taken the first step to freedom. Have a good break!

x

Hi Cakie
You have made me blush!
I've emailed you separately, but I just want to say congratulations and well done.
Now you need to concentrate on managing the seas around Cornwall! Enjoy it and have a great holiday.

Thanks

Get in there, Cakie...Enjoy your break.

congratulations - I hope to be in the same position tomorrow - enjoy Cornwall

Good luck BigTrouble!! I hope yours goes the same way and will be wishing you positive thoughts. It's a strange feeling - I found myself smiling at strangers in the supermarket - I must have looked totally mad!!

I had a text from a very no nonsense friend of mine when she asked how things had gone - "good. What a relief. Draw a line and move on" - very good advice really. Now, where's that cava bottle?!!

Fantastic news Cakie - enjoy the bubbles!

Good luck for you too bigtrouble - fingers crossed for you tomorrow.