just got an email back off Tina from melanies office shes ringing me in the morning before 11am
PHEW hubby will be at work thankfully
still pooping myself though
Ld,with my first phonecall i had a brief chat with melanie,then was dealt with by tina who is equally as kind & reassuring.& after that 1st phonecall i had my 1st full nights sleep in months!! so you will be just fine.& apart from wanting to try & pay something back to my creditors the only other thing that put me off going br was having my name put in the paper.it would have been so easy for me to go br,as i have no assets,but like you i just couldnt stand the thought of it being so publicly advertised.xx
Please don't worry - I am sure that we will find you a solution, and if I cannot help I am sure that I know a man (or woman!) who can. This is really just about finding out what options there are for you and then seeing which option suits your circumstances both for now and into the future.
thanks melanie, just a question, as im still living in the marital home at the minute and not paying any towards it, would i be able to pay more a month into an iva then reduce the payments once i leave?
i know exactly what you mean Ld,& although im eternally grateful for being given a chance to sort out my debts,i often feel very guilty and think to myself "if it wasnt for me getting out of my depth and ending up in a mess we could be having nice holidays,or a new car,or even just a night out here & there" But,whats done is done & i just take each day as it comes & remind myself of how awful it was before i got help.once you have spoken to tina tomorrow you will feel tons better,i am sure.good luck[:)]x
yeah i know im just a worrier biggest deal is the payments i can afford more now but once i leave here and get a place of my own i wont be able to pay the same as i would be able to now if you know what i mean
just wondered if that is taken into consideration
You could definately stagger your payments to suit your future circumstances, but as your case seems a little complex it would be better to speak directly on this.
well its 11.15am and no rang me, i did ask to phone before eleven nevermind maybe they are really busy
not a problem i will make arrangements for another day as i have to now go to work
Last edited by look_divine on Tue Sep 02, 2008 11:15 am, edited 1 time in total.
We are not ignoring you - I spoke to my team and they say they are waiting for a response to an e-mail they sent. The meeting needs to be rearranged with you as we were unable to get to you before 11am this morning - and no definate arrangement had been made for a meeting at that time. Best to discuss this off-line so that we can see if we can help.
biggest deal is the payments i can afford more now but once i leave here and get a place of my own i wont be able to pay the same as i would be able to now if you know what i mean