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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by nicki[/i] [br]hi just thought i would let everyone know my story.i applied for an iva in january.i had £30,000 of debt,partly from when my partner was sick and i was paying for the 2 of us to live and also again when he was hit with a massive csa bill and half his wages were being taken.the other part was over spending on my part although i like to blame him more especially now he s an ex!! the iva took ages to go through and the company were shocking and made a lot of mistakes which certainly didnt help my stress levels.it was finally accepted in april after i had to make a change after splitting with my partner in march and i made 3 payments (£320).i still struggled massivley and i realised i had gone in to this decision too quickly.i had £50 left to live on for the month and by week 3 i was borrowing again from my mum which i hated doing.it didnt help that i smoke although i cut down by half.i was constantly worried about money and my mum made a free appointment for an hour with a solicitor who was fantastc.she advised the iva was unrealistic and would in no doubt fail at a later date as there wasnt enough lee way (sure ive spelt that totally wrong)she advised me the best way forward would be to go bankrupt.this is the one thing that i wanted to avoid and had said at the beginning i definately wouldnt do.thinking things through though i came to the conclusion it would be the only way forward and that if i didnt do it at this stage it would probably still come to it later so i bit the bullet and got the forms. i booked my date for two weeks later at court so it would give me chance to fill them in.the stress levels at this time were so high,i dont think i have ever felt so down in all my life and i dont mind admitting now that i did consider suicide although now its mostly over i cant believe i thought that.i went to court at the end of august and was there an hour in total.my mum went with me (bless her she has been my tower of strength throuhout all this )and when we walked out we were so stunned after all the stress of how quick it was. i had a bit of a problem a couple of days later when my bank account with the hsbc was frozen but my o r kept e-mailing them and sent them a letter telling them that the money was my wages and i needed it to live on.they unfroze my account a week later,i withdrew my money and i then opened a co op account over the phone.(i have now recieved everything for that new account,i can have my wages paid in to it and pay all my bills out of it and it conmes with an electron card) my o r interview was over the phone on thursday.i think i must have had about 2 hours sleep each night leading up to it last week!i was on the phone for 50 minutes i cant say he was friendly but he was polite.i had been worried about my I AND E (i did market researches on my friends and family what they spent in a normal month on food and thoght maybe i had put down a bit too much) but he allowed what i had put down.here what i put down i am a single person living alone in a rented council flat: RENT £237 (THIS INCLUDES £20 EACH MONTH RENT ARREARS) COUNCIL TAX £67 GAS/ELECTRIC £53 (GONE UP TO £72.50 FROM FILLING IN SOA) HOUSE INSURANCE £5 T.V LICENSE £12 CLOTHES £40 (I HAVE TO WEAR A SUIT FOR WORK) PHONE £30 (JUST HAVE MOBILE NOT LANDLINE) TRAVEL £70 HOUSEKEEPING £225 GIFTS £10 HAIRDRESSERS £10 DENTIST £10 TOTAL £769 he accepted all this and rounded it up to £800 (mainly because of the gas and electric going up.i had £200 left out of my wage then and he said they would take £100 of this for 36 months.that was the end of the call,i came off and couldnt stop crying from the relief!! ive had to get credit card and loan copies together this last couple of days and sent those yesterday morning and now feel i am nearly at the end.im just waiting to see when my first payment is going to be. it was in my local paper the other day (the thing i had thought would be the most shameful thing ever )and do you know what it didnt bother me that much at all because for the first time in a year i actually feel free and feel i can start to live life with a smile on my face again. so to anyone who is just starting out on this road stay strong you will piece your life together again,its not the end of things its the start of new ones.(sorry ive gone on and on!!)xx [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.