Hi again everyone and thank you for all your support,it is much appreciated and I am sure I will be back posting and seeking advice when I need a helping hand.
Hi sleeping well a big welcome from me to and do keep posting, this is an invaluable site and one that will offer support and guidance when necessary, good luck on your debt free pathway, 5 years does seem a long time but i am now 16 months into mine and it just seems like yesterday when i signed on the dotted line.
Good luck and best wishes.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.