wound up cannot sleep and constanly crying

[Skippy]

I was with them and they were ok, but there were a few errors in my proposal which I stupidly didn't pick up on until too late and these led to my IVA failing.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[iva.com]

Hi Kerrie,

We currently have five client reviews for Accuma at IVA.com (as well as a lot of reviews on other firms). We also maintain a list of IVA firms and IPs.

We recommend that you look at several firms before choosing which one to appoint.

Good luck with everything. Please let us know how it goes.

Kind regards,
Terry Balfour
IVA.com

IVA.com - The IVA Comparison Site
100s of reviews, All IPs and IVA firms rated.

Use our IVA firm comparison tool to find best IVA firm for you:
http://www.iva.com/iva_comparison_1.asp

[fudge34]

Hi Kerrie

Please try and breath deeply, whatever there is, and it feels like the world is up agaisnt you right now, there is a way out of it. Firstly, I have been through the IVA scenario with Accuma and NR were a major creditor. Accuma were nice enough but it wasn't until right at the end that they told me (after going backwards and fowards with paperwork) that because NR were a major creditor my IVA would be rejected. NR are a problem as they are tending to reject most IVA's that come in front of them. I would if I were you, look at it as objectively as you can (not easy I know) and think OK I need to pay off this debt. For the moment leave out your family if possible as they are not your main creditors i.e. will not be on the phone to pester you!

Work out what you can afford to pay back realistically, you are going to be out of work with your back, and you won't want the stress of having to find money for IVA payments every month even if NR were to agree to it. And because you are out of work I don't think this would be the best option for you. If you can figure out a way of doing a DMP given that your debt is not that bad (I owe 60 grand) then that would be one way forward. The other way of course, is to consider the Bankruptcy option. Skippy is a good person to talk to about this having gone through it. I know you don't want to lose your house and at the moment i don't think that is even in the equation, what you do need to do is to sit down with a pen and paper and work out the pro's and con's of your options. Get a glass of wine if you can and take a deep breath and be really honest about what you need to do. I found sitting down and seeing the figures written down to what I could spend in my budget every month a real eye opener. Because believe it or not you are on benefits this will stand you better stead than someone that earns enough money to clear an IVA every month.

Hope that helps - as everyone has said, we are all in the same position, and understand what you are feeling, rant, rave and if you need us to support you we will!

[scaredkez]

hi kerrie i would also like to welcome you to the forum, you have already been given good sound honest advice by the regular posters, like the others have suggested read the posts and shop around, if it is a DMP that you want to go into i would highly recommend myvesta, i used these personally and they are a free organisation with DMP's after my iva was not accepted these really helped me through a black spot before i went BR, unfortunately you have NR as one of your creditors and they are rejecting a high percentage of iva's at the mo, what is the percentage of your debt is owed to the NR unsecured element?

i really wish you well and hope you find some answers soon, be brave and take deep breaths you have already taken the hugest step by admitting you have a debt problem and need help, all the forum posters will be here to give you guidance.
take care
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[kerrie2]

hello skippy,fugdge and scaredkez and everyone else.
firstly i would like to say a big thankyou for all your support, i feel that you have helped me a great deal not only made me feel better ,that im ready now to take that next big step.
im going to have a good weekend and sort out my problem on paper then on monday im going to deal with this.i would rather go the dmp way as at the end of the day this is my debt and i want to pay for it,it is only my situation that as stopped me, as i did have a good job with good money ,but at the end of the day things happen in life that is beyond our control kerrie xxxxxxxxxxxxxxxxx

kerrie kirkham

[kerrie2]

how do the dmp's work

kerrie kirkham

[lily]

Really glad youre feeling better Kerrie.

Yes things happen and they set new challeges for us but to every question there is always an answer. We will always be here for you.

Have a good weekend and sleep.
lily

[lily]

My return key is sticking sorry.

lily

[scaredkez]

DMP's work that you use your disposable income to pay something off towards your creditors but it is not legally binding like an iva is, some creditors will freeze interest for 6 months others won't and will still torment you, if you have low debts its a good repayment vehicle, other companies take a cut of what you pay, but myvesta don't so every penny you pay them go straight to your creditors, you can use this as a stepping stone until you decide if you want to go for an iva or BR.
or with low debt as a managed way to deal with them.
good luck
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[kerrie2]

hi everyone, feeling a little nervous now as tomorrow is approaching to give a few places a call to sort out my debt.
feeling very scared as to were to start and what to say to these people.
i owe a utility company money but dont know what to do as i have no spare cash at present.im trying to manage till the end of the month till my husband gets paid.im robbin peter to save paul at the moment.
kerrie xx

kerrie kirkham

[lily]

Kerrie

I understand as I have been there myself, just stop paying the non secured debts for now (loans and cards). Make sure you work something out for the secured debts (utilities etc) Even if you cant pay the utility right now, speak to them, explain that youre struggling and work out a plan.

Remeber you are a little bit closer today to sorting things out as you were last week. As each week goes by you will be that much closer and you will feel better for it.

Its too easy to panic, I used to want to hide away in the early days and I did cry almost daily but I am much better now, you will be too.

Take care and good luck for tomorrow, please let us know how youre doing.

lily

[kerrie2]

hi this is for anydydavie,can you give me the possible solution to best way to go down the round to resolving my debt,
my husband works and comes home with around £1,250.00 each month and i get £122.00 evey 2 weeks for incapacity benefit and £110.00 tax credits and family allowance of £120.00 amonth. i dont know whether i can get the dmp and i think my iva will be refused knowing that alot have people have had it refused due to having a mort with nr.
please help me anyone to which route i should take,
im wanting to get sorted as ive just had virgin media on the phone pestering me for my husband,as we cannot pay this bill
hhhhhhhheeeeeeellllllllllpppppppppp
kerrie x

kerrie kirkham

[MelanieGiles]

Hi Kerrie

People do not have IVA's rejected if their mortgage is with Northern Rock - only if they have unsecured lending with that creditor, and not every time!

Can I suggest that you revert to an insolvency practitioner for proper advice, as on the forum we only see a brief snapshot of your case and are unable to really give full advice.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[kerrie2]

thanks mel
i will get to work dealing .
kerrie
x

kerrie kirkham

[kerrie2]

Thanks john,
I think its taking that step im just so worried and im trying not to worry but my head is spinning and with my health already affected im not thinking straight anyway.
I can cope with anything but i dont want to lose my home.
thankyou for the messages of support
i feel like a pain keep winging on at everyone
Thanks guys
kerrie
xx

kerrie kirkham