I Have Messed Up My Life Bigtime

southernscouser

messedup wrote:

I have just been on a live chat with myvesta iva people and somebody is phoning me tomorrow after work, god I hate myself.

Anybody heard of this company

Yeah and not particularly great things!

Just be wary because there is someone on the DFW with an vested interest in Myvesta! They will tell you how everything in your life will be rosey! :rolleyes:

I'm not saying don't use them, but personally I would want to go with a company recommended by the CCCS!

I don't want to put doubts in your head but is an IVA the best option? I'm not against IVA's at all! If it's the best route for you then great, just want to make sure you are aware of all your possibilities before you commit to anything.

Personally if I was in your position I would call the CCCS just for a chat and some professional advice!

messedup_3

yes I will I will tell nancy from vesta I am not interested lol...I dont want IVA I just want to come out clean.... at the end of the day I do have a tad money a month to reduce....I will phone ccs. I dont think DMP is suitable either .I would just be as best off if the interest doesnt get frozen. the interest is the down fall....but I am impatient. I am extremeyl lucky and very grateful that my O/H allows me to plough money to debts otherwise it would be a different story

james32_uk

Messed up. Haven't read your thread for a while and just wanted to point out how far it looks like you've come already since your first post. Although obviously things are still far from finalised for you, you sound like youve gained much more control already.

Keep it up and keep going. You're doing so very well!

james32_uk

Oh, and CCCS or Payplan will give you such good advice. Please make one of them the company that you talk to. I'm not saying the conversation wont be difficult for you, but they've heard everything a million times and in my experience are very understanding and non-judgemental.

messedup_3

Thankyou, I still feel at square one, but its peaks and troughs and I am so fickle at times. I just find it hard to come to terms with what could have been.
Have contemplated match betting for extra dosh but best not eh lol

messedup_3

You have done really well J..... I wish I had a signature like yours, I am so impatient

smashedbooboo

Hi MU, Not been online for over a week as my comp has been poorly, how you feeling chick and have you got anywhere near settled into your new home. Hope things are looking up a bit for you. Big hugs and hi to everyone else on here, been lost not being able to speak to you all. xxxxxxxxx

deliciosa

hi,

we all made mistakes and you had to deal with horrible things... *big hug* you have not let anyone down. its great that you have a supportive partner who loves you and helps - you will get out of this!

this forum is full of lovely, helpful, wonderful people who helped me a lot and im sure they will help you too.

x x x

cantcope

Hi Messedup.

Only just stumbled on this thread. Just wanted to say good luck and well done. For facing up to your problems. Things will be tough but they WILL get easier.
The support on here as you know is worth millions.

vespagirl

Everyone are right you have done nothing wrong, so try and ease up on the guilt. Try to remember all of those happy times with your daughter, they are the important ones. With regard to debt, get ideas from this site that's what I'm doing. It helps to realise that you are not the only person with debt. Having debt does affect your life but it is not all of your life. Live your life to the max for you and your daughter.

Welcome .