Frightened, telephoned CCCS

Monkeysox

Hi judojug,

Thanks for the words of advice.

I have felt emotional since I first posted on this site, I think its the realisation that we are in debt and we're going to do something about it!

Hopefully, I should feel relieved after the telephone call with the CCCS on Friday. I have lots of questions to ask them, my head is buzzing at the moment!:doh:

I'll keep posting and let you all know how its going!

xx :grouphug:

lovebooks_2

CCCS are excellent. You'll feel relieved soon, once the ball gets rolling.

Monkeysox

Hello Foggybrain,:hello:

Thanks for the reply. I spoke to the CCCS on Thursday and they were very good, non - judgemental in anyway! Thank God really, I'm so emotional at the mo! lol

xx:grouphug:

Monkeysox

Hello lovebooks :wave:

Thanks for your support. Your right, I will feel better once the ball gets rolling. Once I've had that call on Friday, maybe I'll be able to sleep properly!

xx:rotfl:

lovebooks_2

Monkeysox wrote: »

Hello lovebooks :wave:

Thanks for your support. Your right, I will feel better once the ball gets rolling. Once I've had that call on Friday, maybe I'll be able to sleep properly!

xx:rotfl:

Hello Monkeysox :wave:

All the sleepness nights, and dreading answering the phone will be a thing of the past. Wishing you all the best. xx

Nargleblast

Monkeysox, this may sound obvious but when you think of a question write it down so that you have a list of questions ready for your telephone interview. You may well find that some get answered during the course of the interview anyway. Well done for opening the new bank accounts and drawing up a plan for budgeting, that is the way to succeed. Good luck for Friday (not that you need it, you'll be fine). Let us know how you get on.

Monkeysox

Morning Nargleblast,:wave:

Thanks for the advice regarding the questions. Maybe if I wrote them down as I think of them, I'll be able to sleep at night.

My mind is so active at night, it seems as if everything is going over and over in my head! Funny how thats never happens in the day!:D

I'll let you all know how we get on on Friday, appointment is at 2.30pm, so I'll be online later on that afternoon.

Speak soon!

xx:j

debtfree2016

Morning MoneySox..... welcome to the road to freedom, all the info you need will end up being answered by someone on this site ....
Please make sure you can afford to live on what you have left over as you are in this for the 5 years...
good luck and no doubt we will email again

bernard828

Good luck with it all. If you really are worried about the job situation, the best thing you can do is to check your original employment contract. That should tell you whether there are any sanctions for entering an IVA. No need to bother the HR dept unless the contract says that you shouldn't go bankrupt or present proposals to creditors. If it does, have a meeting with the HR manager and discuss it with them.

Monkeysox

Hi Marklinard, :wave:

Thanks for the posting and words of advice.

OH and I are working to a weekly budget, we started it from the 1st May, so we'll see how we go this month! :think:

I've also put a spreadsheet together, I'm entering our weekly expenditure so I can see if we are over or under budget. Fingers crossed!

I hoping to get a bit of practice in before the IVA starts!

Speak soon!

xx :j