we are sinking fast dont know which way to turn

[trina]

Good Morning Everyone,

Crikey I must of been tired last night it's the first time since our daughter was born that I've slept later than nine on the weekend.

Feeling pretty ok today, except for all the creditors phoning, although it was a relief to just say to one I'm going through an IVA so you should here within a couple of weeks. They are horrible people though he just put the phone down on me!! How long will they all continue to phone for? I don't really want to change my number because then you get all the questions from family asking WHY?

One other question is do you have to give your passports in to anyone? I'm not planning a holiday for a while but the thought of going nowhere for the next five years is quite grimicing (spelt that wrong havn't I)

Sorry to go on but another one is both me and hubby smoke, in our financial statement £70 per month has been put in - will this likely to be accepted, has anybody else beed given a smoking allowance. I am planning on going to the docs after all this is done and I'm well on my way into the IVA but at the monent I cant even think about smoking (it's the only thing calming me down)

Thanks everybody for all youre continued support it really is helping.

big hugs and xx from me and hubby

[Viki.W]

Hey Trina, glad you had a sleep in. I'm not an expert but I don't think there is a seperate allowance for smoking although it could come out of any contingency fund, I'm sure an expert will know more than me about that. You won't lose your passport, there are lots of people in IVAs who go on holiday abroad, most are funded from a kind family member![:)] Viki X

[michael.t47]

Hi Trina, we both smoke, always trying to give up but have put in an allowance for smoking in our i/e

[kallis3]

Hi Trina,

Creditors are a pain! Mind you, at least he put the phone down rather than try and bully you into paying any money.

Could you not tell your family that you have been getting dodgy phone calls and so need to change your number because of that?

A few years ago we had calls from a phone box late at night - nothing sinister, just people who thought it was funny. We changed our number. Perhaps you could try that tack with your family.

If not, then just hang in there and be strong when they ring. Don't let them bully you.

You're on your way to an IVA.

[MelanieGiles]

I have no problem in making an allowance for smoking (would be hypicritical if I did because I still enjoy the odd one with a glass of wine!), but often the creditors will not allow this - and we all know that the best thing is to give up!

[Moneystinks]

Hi Trina

Hope you are okay.

I started to feel instantly better once all the paperwork started being sent off to Melanie and her team. I spend ages getting it all batched together and sending it on. Once it is popped in the post box that's it forgot about, I know that Melanies team will be in touch if there is a problem.

Good luck on your journey and maybe you could join everyone at the next frugal friends meeting in Bradford.......I am hopefully going. XX

[Soulgrowth]

Hi Trina ... just wanted to say that you are very much amongst friends here on the Forum ... so keep posting [:)]

Debbie

[trina]

hi

When is the frugal meeting in bradford please?? It would be a pleasure to come and meet everyone,

Well done debbie on your story I have had a little read at the post, It's stories like yours that keep you going through all this and boy will I have to keep reading a few more only just starting this journey!!

got all paperwork ready now to send off, so how long normally when the ip receives it does it take from there??

trina x

[Moneystinks]

Hi Trina who are you with again?

Also the Bradford Frugal Friends is on the 18th July. There is a link further down if you click on the forum link a\nd then trawl down you will se the IBIS Hotel Frugal Friends etc. etc.

I might not be totally accurate as I have been on the pop.

I am with Melanie and she is great as are her team whatever happens I will always be indebted to them as they are helping us rehabilitate ourselves this is a life long lesson.......

[Soulgrowth]

Hi Trina ... it would be really great if you could make it to the next get together in Bradford ... Marie has definately been on the bubbles ... it's on 12th July! Here's the link to the thread

http://www.iva.co.uk/forum/topic.asp?TOPIC_ID=12214

Debbie

[Moneystinks]

Defo on bubbles

Told oh half will book hotel tomorrow so don't make mistake lol!


I feel all wobbly lol

[Moneystinks]

I wonder what is happening on the 18th????

[trina]

ok thanks, i will do my upmost to get there

I have also been on the bubbles tonight, I felt the need for a few vodka's, well they do help you relax don't they!!

Marie I'm with Melaine, well I have just send the authority letter off and am getting the rest sorted.

Feeling really quite positive tonight after reading a few posts, just dragged hubby of the sofa to read them to. although it is quite annoying as he takes ages!![:D]

trina xx

[Viki.W]

Trina, it would be lovely if you can make it, it will be my first meeting too. Good luck with your application, I'm with Melanie, you're in good hands. Viki X

[trina]

Viki, when did you start the process? have you had yours approved yet?

Doesn't seem like you can go wrong when you have Melanie, read loads of positive feedback, I've probably jinxed myself now by putting that havn't I!!

trina xx