www.iva.co.uk

hello,

i'm sad, feel really stressed. has anyone got anything funny to tell me?

When will this feeling ever go away?

I know i'm new on here but you all seem really nice people.[:(][:(][:(]

aghh kiska why you so sad?


Please view my blog at: http://scaredkez.blogs.iva.co.uk/

got no money.
waiting for reply from IP. csa payments have reduced over £100. daughters b'day next month.... the list can go on[V]

kiska i am so sorry for that, who is your ip? i am going to say to you now forget everything your daughters b'day is more important than anything, not everyone is going to like this, forget about paying debts give your daughter the best b'day ever, what can anyone do to you but shout honey!
pay no one you get no thanks in the end no matter what you try to do , first and foremost your kids come first above anything regardless of what anyone tells you and i believe that give your daughter the best day ever, if you have debts post them here we will give a true valuation of what you need to do, but be patient and listen to honesty
love kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

thank you for that lovely reply.

Spoke to IP today (Freeman Jones ever heard of them?) she is gonna review the case in the next few days. Ive even manages to change the direct debit date so i can miss this months wage packet but i still pay in june yippee.

Feel a bit better now

its really good to have people to talk to, only my partner and i know about IVA my parents would be horrified.

only a few more years to go hey

x x x

you sound so much more positive tonight, good on you, i went BR so have no more debts to worry about, have heard of your ip but don't know too much about them,i told my family and they stood by me all the way, i thought too that they would give me a big lecture but they have been so supportive even bought my car back for me off the OR,keeping my fingers crossed for you everything goes ok and your daughter has a lovely birthday, i said last night about not paying the reason was, i paid up front fees to my ip and had no money at xmas to buy my kids presents, that was the worst feeling in the world and something i will never repeat ever, watching their faces xmas morning and one of them saying have we been naughty this year mummy as santa hasn't brought us very much, that will haunt me forever.
good luck
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

i know that feeling, my daughter has a very wealthy dad and its always a struggle to compete-i know i should'nt. i've managed to get her a free phone. she doesn't even know we are struggling and keeps asking why we can't go on holiday yet.

we always teach our kids not to tell lies and what am i doing,...
x x x

Hi Kiska
Just wanted to say hello.
I am with freeman jones and have been very happy with the service I have had from them so far ( 6months into an iva).Any thing I can help with feel free to ask.


Ang

Brave heart Kiska, love, attention and affection are free and that's the most important thing. I understand that being in an IVA is difficult as budgets are tight, but keep positive and focus on the light at the end of the tunnel that the IVA will ultimately provide.



Best Regards
Oliver

Thomas Charles and Co Ltd.
Experts in personal debt solutions.
Read customer feedback at: www.thomascharles.com/about_us.asp

Hi Kiska
I hope your daughter has a wonderfull birthday,and no matter what you give her im sure she will love it as she loves you.

Tracy

thank you all for your kind replies,

its a strange feeling when you think you can't buy massive ammounts of presents but now i've calmed down(tablets helped) i look at what she has got and she doesn't use half of it anyway - bless!

i've got till July 8th!!!

thank you once again x x x

Kiska its not the amount of presents or even present that counts its your love that is important.

she'll always have that[:)]