Hi Mrs Skint
I often read your posts, and love your positive attitude.
When I was going through my IVA to begin with, i found it very stressfull and even when i started i had sleepless nights becuase of unanswered questions i had, when i found this site it was such a relief, the advice from Melaine is brilliant she's an IP but down to earth and shows a realistic view, and then theirs Andy whos been through and he answers are real becuase hes been their and also every one else such as your self the support is brill, without i think i would feel my life was on old.
The only thing that could make this forum better for people who are considering an IVA is that it becomes mandantory for all IP's to tell their clients about it becuase it is so helpfull and puts your mind at rest. You also understand every body else as the same questions as you.
Its also a great feeling when you can offer people advice or opioion becuase we have been growing through it.
I found that 5 years is not that long, even though i have applied for a f & f, that another two payments, which is 20 in total, thats a third way through it, in Feb 2009 thats two years, and 6 months after that its half way.
