10 Days to Creditor’s Meeting
Just an update on letters and calls I have been receiving from Creditors over the past week….
I’ve received letters from both HSBC and Egg stating that following receipt of an IVA, all of my accounts have now been frozen. I have been advised to destroy any cards attached to the account and return any unused cheques. Not sure if this is a good sign or not that they will vote yes, I hope it is as they are my two biggest creditors.
I have only received calls and letters on missed payments from Sainsbury’s Bank and Halifax (I think these are both part of the HBOS group). I made a token payment of £5 to Sainsbury’s and the calls appear to have stopped now. Having my mobile ringing all day at work and then coming home to more calls was just too much.
I haven’t spoken to Halifax just lots of missed calls on my mobile. They phone alot during the day on my mobile, but I refuse to discuss my personal finance problems whilst sat at my desk at work! I get home and they have tried to contact me on the home phone in the middle of the afternoon when I am at work. They have never tried to contact me at home on an evening. Strange people……
I’m very busy at work so have plently to take my mind off things and the house has never been so clean and tidy! Who knows, providing the IVA is accepted, in 5 years time I will be debt free and also a domestic goddess! I’d be happy with just being debt free though.
How I feel
Right now I feel excited (or probably nervous excitment!). Probably sounds strange, but I am. If my IVA is accepted it’s a new start for me. I know it will be hard, but I’ve never been one to turn down a challenge! I’m happy with my expediture and budget and as long as I can afford to live the luxuries are just something I will have to wait for. The big time nerves will probably start creeping in next week. I’m still sleeping well, so hopefully this will continue. I’m ogre without sleep!
Bye for now…..
