have left a message on melanies website hopefully they wont ring me when hubby is in as things are so bad here i dont want fuel adding to the fire as they say
so thanks to everyone for pointing me in the right direction i just hope melanie can help me
xxxx
You've done the right thing. Melanie will point you in the right direction.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi LD,
Well done for taking that all important first step - you are on your way hun [:)]
One thing I have learned is there is always a way our of debt and none of those 'ways' are as scary as they seem from a distance. We are in IVA and despite feeling terrified of it at first we now feel secure. I am sure many who chose BR will say the same.
Either way Melanies team gets tonnes of praise and that is for a reason so sure you will soon have a plan and feel happier about what will ultimately be a more settled and debt free future.
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
Please try not to be scared. You will get very honest advice from Melanie and her team. Very soon your life will turn for the better one way or another.
I really do wish you the very best and hope things start to get better very very soon xxxx
I'm sure Melanie will pick up on this thread and be able to put your mind at rest.
It is very scary. I didnt have the IVA, hubby did but believe me, when it was all being prepared i was so scared it made me ill.
We can all relate to the feelings you are having.
Just keep reminding yourself that these are all small steps towards your new beginning xxxx
you will get great advice from melanie and team Ld.i was convinced that i would have to go bankrupt,as i didnt think i had enough disp.income.but i was very relieved to be told i was actually able to propose an iva.im sure you will be just fine.the hardest part is taking that first step,but you've done that now so you're well on your way to finding a solution.hope you manage to get sorted out with everything asap..[:)]x
I understand LD - with me my dad reads local paper cover to cover so knew he would see it and that would have broke my heart so that's why we have to make our IVA work - I am sure you will be ok - Melanie gets great praise for a reason so you are in safe hands
"Hope is the feeling you have that the feeling you have isn't permanent." - Jean Kerr
IVA approved Aug 2008 - 6 year term - last payment made 6 Oct 2014. CC received 14 Nov 2014.
