www.iva.co.uk

Hope everyone has had a good start to the New Year. I just wanted to say that no matter how bad your money problems are there is more to life then money. There will always be a solution to your money problems. It may not be easy but there will be a way forward.
I know its easy for me to say as my IVA has been approved but a aunt of mine died late last year and my other aunt died two days ago. Have just had a phone call to tell me that my nephew is having a heart and lung transplant today. He has cystic fibrosis and he may not survive. So just remember that your time with loved ones is important and there is more to life then money.

Hi
You are so right and unfortunately debt can take over your whole life.
Fingers crossed for your nephew today
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

I so agree with you WWN. Life is far too short to spend it worrying about money. My uncle died of cancer last year and it really made me think about things. I was already in an IVA but I was seriously struggling after 4 months as I couldn't afford the payments. When he died I made the decision to go BR as I didn't have any spare money to buy flowers. He was such a lovely person that there was no way that I was going to let him go with no flowers from me. It made me realise that I couldn't struggle in the IVA for the next 5 years and I had to do what was right for me.

I'm so sorry to hear about your aunts, and I'll be thinking about your nephew today - big hugs to you and him xxx

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Skippy..can I ask why your IVA failed? I've only made two payments into mine so clearly will have to work hard on getting money to one side now I've finished xmas spending. However, even though I 've only had it a couple of months I'm already feeling finacially better and certainly emotionally better. However, I keep thinking this is too good to be true somehow.I've paid for xmas-cash. I get paid end of Jan, all bills paid for Jan so I should be ok.Why wouldn't an IVA work for you? Thanks Cat1

Hello WWN!
Soo sorry to hear about your family .... Hope this can bring you some comfort >>> angels tell us that our soul lives on and on.

[My lovely hubby died suddenly 24 years ago from a heart defect when he was only 34 years old ..... I miss him to this day ..... and yet despite this 'loss' I still 'believe'.]

I have spiritual experiences and gifts not easy to explain! Then 2-3 years ago I found a book on angels and it changed my life. Perhaps you could find it helpful and interesting looking up about angels too[:I]... my fav author is Doreen Virtue.

[ERM Doh .. My problem was that I didn't always listen awfully well at first to this good angelic guidance .. but now I do listen and I do follow the good guidance and it is helping me to at last get my life back in order ..... true it takes time to master but worth it.]
Love and Light,
[8)]

My IVA failed because I couldn't afford the payments. When I started the procedure I said that I paid £200 'rent' to Dave which was put down. The problem was that whoever prepared the proposal added the £560 to my income from Dave's salary and said I paid the whole mortgage! This meant that I was actually £200 a month short. I feel pretty daft as I read and reread the proposal, and Dave also read it but neither of us picked it up. Mind you, when I did query a couple of things that were wrong I was told not to worry about it as it didn't matter!

I asked if a variation was possible, but I had the 'no variations in the first 24 months' variation so there was nothing that I could do apart from really struggle for 5 years or go BR.

An IVA is a great thing for most people, and maybe if I'd found this forum before my proposal was put forward it would have worked for me, but isn't hindsight a wonderful thing?!?!

Good luck with your IVA, I'm sure you'll be fine x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Hope everything has gone ok for your nephew today, please keep us posted.

mrs skint

I too hope all has gone well. So true, family is much more important.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

thanks Skippy.I'm not sure I understand my modifications fully either.I couldn't really listen when he was going through them as he was also telling me the iva could go through (the origional proposel hadn't you see).I have attempted to get the english version since but still not totally sure,So glad to have found you lot though.
I'm sorry to have changed the subject ...the original thread was right, there is more to life than money.It's just hard to remember that when we're feeling overwhelmed and out of control.Let us know how your nephew is.I've just spoken to a close family member.She attempted suicide before xmas as her home was being repossed the following day and nobody knew a thing. She's still very bruised and vulnerable but things are getting sorted out and she is very clearly saying how much her family mean to her and how she can't believe she lost sight of this briefly. Cat

Money is made round to go round, i wounder if that is the reason 50p's have corners.

Hope your nephew is ok.

Dave Beech

Hope your Nephew is Ok, I agree love is more important than money. People are priceless and we must appreciate them while we can.

I realised my debt problem in sept 2006 and I really felt desperate, stupid and alone. I didnt think I could ever feel worse, I cried all the time. (I found the forum just after this) Then two days before Christmas my mother died suddenly and really unexpectedly. Put my debt tears well and trully into perspective.

lily

Thanks for all your kind words. I am pleased to say that my Nephew is holding steady at the moment. Still early days but things are looking good.

That's really good news WWN x

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Yes really good news. xx

Please visit my blog at http://aguise.blogs.iva.co.uk/

Great News

Dave Beech