www.iva.co.uk

Hi,

Congrats to Lilli - great news he arrived safely. Well I have come home from work early because I was just staring at the computer screen. Posted all stuff off to DMP provider last night and just waiting for the 2nd stage. I posted earlier in the week I was scared of 01st aug as I havn't paid any cc's or the loan this month, it was such a scarey day but nothing came on that day and I am just starting with the phone calls now - just ignoring the phone at the moment, but getting a sick feeling before I enter the house (awaiting post). I think having read all your posts that this is make or break with my emotions!!!! reading alot about mercers??? they are attatched to Barclays arn't they (both of us have cc's with barclay card) well it's gonna happen so thank god I have this site even if I am just wittering on! thanks for listening x x x

You witter on all you like Loubylou, you seem to have everything all under control, good for you. Don't worry you'll get through this. Hope the phone calls aren't too bad. X

Hi Louby,

Yes, Mercers are a pain! Barclays will probably start first - they did with us. I answered them once, then ignored all the calls.

Any letters, just send them to your DMP firm and let them deal wih it.

Don't let them get you down!

You come on here and have a good winge about them when they start - it makes your feel better for getting it off your chest!

witter away!! and don't let em get to you, you're doing the best you can and dealing with it. Don't let anyone tell you otherwise! If they get stroppy - just hang up!! You have the power, not them.

Good for you Loubylou ... hang on in there.

Debbie

Hi Loubylou,
Wittering is good so keep on doing it - a problem shared.....etc!!
Well done on moving froward with your debt solution, the calls are a cause of worry and stress, but they do pass and you will come out the other side. Mercers continued to send me letters for months after my IVA was approved,but don't let it upset you - just post them off to your IP and they will deal with it!!
Keep your chin up, you're doing brilliantly,
Hugs,
Chardonnay

[:D]stay strong loubylou,it shouldnt be long now till you get things in place.its easy to say dont worry because you probably will,but weve all been where you are.ps i am the worlds worst witterer ! once i start i just cant stop,so witter away ! take care.x[:D]

Thanks guys, came home today from a letter for our loan with hsbc "you havn't paid, please do so in 14 days or blah blah blah.... if you are experiencing difficulty paying we are happy to discuss this and if you take advice from a debt proffessional we are happy to work with them!!!!!!!!!!!!!!!!!!!! could this be true or are they lulling me into a false state of security??? If I rang then and said yes my difficulty is a am broke and have instructed Brightoak to help would they bog off and leave me alone... me no think so!

stay calm louby lou....thinking of you ... keep reading the posts...at least they take your mind of things a bit...

read the funny ones..make you smile.!!!