www.iva.co.uk

This is J, David's wife. First, may I apologize to Mrs Giles for not telephoning this afternoon but my mother is ill now and I need to concentrate on that; better than concentrating on myself. My Parish Priest has been of tremendous help to me; he has been in every day to see me. Secondly, I should, from the bottom of my heart, like to thank you all for being so very kind to my husband and me. I am the cause of all his financial trouble but not for one second will he accept it. I have been reading what you have said about him and every word is true. He will never accept praise or thanks from anyone that is his nature he feels that every human being should help another human being without question and then go. He has got kicked in the teeth so many times but that does not stop him. I know how worried he is about the future and the consequences of what I have done and I know Mrs Giles has told him not to worry and also Mr Mond has told him exactly the same thing. He is good at hiding it from me but I can read him like I can read a book. From what I have read on here I believe we do have something to fear from creditors particularly about our house. He is not going to be pleased with me for writing this but in 26 years he has never raised his voice to me or to my son but this letter may be an exception. Thank you again all of you and please wish us luck. Yours very, very sincerely J

Welcome to the forum J. I dont have the ins and outs of your case but if Mel and david are telling you it will be ok,trust in them,they know what they are talking about.

As for who created the debts I am sure that hubby of yours benefitted in some way from the credit no??

But who caused the debts isnt the thing,its what you are doing together to sort them out.

What is it you fear in regards to the house,clearly you dont want to lose it and you know that some equity will have to be released?

Paul

J
We all wish you and David the very best of luck. I'm glad you're a bit better in yourself but so sorry to hear about your mother.

You really shouldn't blame yourself for where you are now, David certainly doesn't and we all agree with him that we would have done the same in yours and his situation. I am convinced that you will be successful and that common sense will prevail, it makes no sense not to accept your offer when it's the best that you can do and any alternative would leave creditors with less or even nothing.

Keep faith in yourselves and Melanie and everyone else here, they will see you through.
Take care of yourself, David and your son and remember it's people that are important not money or debt.

We're here for you whenever you need support or help.

P x

J, please don't blame yourself. We could all analyse where we went wrong, but life's too short for that - an IVA is your second chance. If Melanie and David have both told you not worry then please listen to them, although I know that's easier said than done!

Good luck to you both xxx

I do not know who you are plasticraft but my husband did not benefit one iota from the debts. Mrs Giles knows the facts and she will tell you if you ask. J

I also meant to say that I hope your mum gets better soon J xxx

My husband has told me about you Pap; he admires you for the strength you are showing and both of us wish and hope that you and your family come through your trials stronger than you went into them. The family doctor has given my husband some sleeping pills that has given me the opportunity to come on here. J

J

you are not to blame for anything. You and David are very lucky to have each other, David clearly thinks the world of you and your son and the love you have for him shines through your words.
Please hang onto that and believe that, together, you will get through this.
I have my fingers, toes and anything else that will cross crossed for you!

P x

Don't worry J - your are focusing your efforts in the right place with your Mum. I am here for you whenever you want a chat, and David's IVA proposals are in the post tomorrow as I have finalised them this evening.

J

I have to say that sleeping tablets are the only thing letting me get any sleep at the moment too! Without them, I don't know what I'd do.

And really, there is nothing to admire about me, there are far better people than me in this world, I just understand a bit of what you're going through.

P x

Mrs Giles, thank you. I will tell David when he wakes in the morning but the doctor said with the pills he has given him he should sleep for 12 to 14 hours. J

J, I was sorry to hear about your mothers illness, and I hope they can help her and make her well soon.

You are in safe hands with Melanie and I am sure everything is going to go ok for you.

elv5 wrote:

I do not know who you are plasticraft but my husband did not benefit one iota from the debts. Mrs Giles knows the facts and she will tell you if you ask. J

I wont pry into your debts but can tell you that taking action now will help you get on with your life,and with Mel guiding you in the right direction the process will be as smooth as it can be.

I hope your Mothers health improves in time,but until it does concentrate on that before any money worries.

I hope your Hubby doesnt snore coz 12-14 hours of deep sleep could fairly make a racket!!!

Paul

I am sorry I got cross but I do not tell lies.

Could not say anything further as so elequently put by plasticdaft and pap - don't worry - Melanie will get it through by hook or by crook as the saying goes.

I wish you and yours well and hope for future happiness when all this trauma is over.

xx