CCCS call tomorrow

Rylynn

Oh dear, need to look at this in detail troll, but I was put in an IVA in 2005, and no one really told me the real facts, had I been here I would now be an undischarged BR instead of a newbie BR. I am not cross anymore, that went out of me years ago, I accepted what I was in, but I could never have forseen ME, 11 months off work and now only doing 20 hours a week, which does me in, but I want to work, provide for my son.

I had no assets.. no home, no rembrants under the bed, no cash in a Swiss bank, I had a car I needed for work, the game was by IVA co.. I would LOSE it.. believe me I dont care about metal and wheels, it was a means to get to work, my IVA failed 1st week.. muggings here attended .. quaking in her boots at these creditors about to rip me to shreds, no one turned up.. end of conversation was we will re do next week, but me being me, said and if NO what then, told you could go BR, so me being me said, RIGHT that is what I will do..

How odd it passed the next week, which strings did she pull as she knew that day I was prepared to do the deed..

AND that company are just under £4k better off due to my payments .. my creditors are better of by 1300 between 8.. how is this right.. my god it can only get worse as well, more companies selling IVAs making money.. okay whoopie doo you dont pay it all back.. seems like such an easy way out..

Anyone reading this thinking of an IVA read Martins thread on this please on front pages.. read what he says.. only 3 per cent of people should take one on.. and I was not one of the 3 percent, but took one on anyway. Stupid me.. could have been BR in 2005.. not 22.10.08


BAAB I aint never gonna be diplomatic on IVAs when mis sold like mine was..

Sometimes the FEW have to speak out to the many, and boy there are many out there right now facing the hardest times of there lives and we both know that BAAB which is why we are sitting here/

Trollfever

A slight correction Rylynn:



had I been here I would now be an [strike]undischarged[/strike] discharged BR

Rylynn

Oh dear me.. I am tired.. yes discharged.. oddly none of that bothers me, I had nightmares in the days to BR of judges with no faces saying get out.

Can I say here I used to work for forensic scientists, wonderful job til you see the dead body of a kid on a slab, so the law does not bother me, I hope I know the rules, I love the police on the whole they do a great job, as do ambulance men/women, nurses.. all very hard jobs at times, same with fire brigade cutting people out of cars/... these people are my heros.

Then of course we have these people popping up all over the place telling us how wonderful they are and DO get into an IVA, well if I can be duped, so can anyone, and my only asset was my car some really flash model mine.. an Astra 2000/// you know it was never the MORGAN hand built job I wanted:rotfl:

neverindebtagain

I want to thank all you people who have taken time to read my posts.

I am today going to open a co-op account. Fill all the forms out for CAB so I am ready for the appointment.Ring National Debt Line and write a message to Sarah of CCCS.

I don't know what to think anymore, wanted today to be the start of my life, but feel it is the end. I have always had the attitude that whatever bad things may happen, good will come from them. After many years of going to work to give credit card companies money instead of buying a weeekly shop and no luxuries I feel there has to be an end put to it. My husband is 40 plus, worked hard for over 20 years and many times he hasn't got a £1 in his pocket, how degrading is that for him. It is all my fault and I am finally admitting it. I love my husband to bits and so now is the time for my to stop kidding myself.

Onwards and upwards.

neverindebtagain

Well I have made a start.

Sent a PM to Sarah of CCCS. I have rung the co-op and told them that I may in the future go bankrupt and that I would like to open a cash minder account. She said that was fine, if it happens just call them a few days before to tell them. Went through the application and it has been accepted. . Now for a shower and on to paperwork, have to wait until house is empty to ring National Debt Line.

Can I say to anyone that is in a similar position to me and has never posted there troubles, put your posting on, even though you may not know how to explain things, it gives you somewhere to come to and tell people what you are doing. I feel better knowing that even though I feel massive remorse and stupidity I am not the only one that feels like this.

I have got further in the past 2 days of using this forum than I would have done on my own.

I will update late.

chelseabun_3

Well done, nida. You seem much more positive today than you did yesterday, which is great. My OH has his CCCS phone call on Monday morning. He's already done the Debt Remedy online, which recommended BR as the only option, but we didn't account for the fact he's self employed, so need to talk it through as the figures weren't quite right. It'll be interesting to see whether they change their advice on the phone. Tbh, even if they do, we're still going for BR as from the accurate SOA I put on here it was obvious that was the only option.

This site is great! Keep asking questions and folks will support you all the way, whatever you decide. Take care, CBx;)

neverindebtagain

I just want to say to anyone in my situation, keep talking.

I feel I took a brave step today, I told my boss everything and that I going to ring the local court on Monday to book a date to declare myself bankrupt. I have carried on reading threads and feel that all the debt people advise is how to pay the money to the creditors. As CCCS said it will take 26 years ona DMP to pay it off. I would be 65. I went to CAB last Friday and have not had an appointment through. Therefore I am going to get a date and proceed.

My boss was fantastic and not shocked or judgemental. She is fully behind me. I just felt numb when I told her.

I don't where this journey will take me I just pray I get to be debt free, after many years of hiding the bills from my husband and planning my day around the post man, I am thankful I have last confided in him. I even asked him yesterday to open my mail as I was at work, small thing many will think but a massive thing for me. I wish I had spoke to him years ago. He is fantastic.

I will post again with my date.