Hi there Mark. Sorry to read that your IVA was declined a few years ago. I take my hat of to you to have sorted out a DMP, but that will be hanging over your head for years and years and I know it wouldn't be the right choice for me. We have recently embarked on our IVA process and were accepted at the end of July. We are with Melanie and her team and I must say, they really have been fantastic. If I were you, I would give them a ring today and have a chat - there really isn't anything to worry about and they put you at ease, are completely non-judgemental and give you honest professional advice in a clear and concise way. Being in an IVA isn't easy but it's not designed to be, but I will say, as far as we are concerned, our allowances are fair, yes we really have had to tighten our belts, but that is what we needed. We are learning to budget much better and do you know what - at the moment its really not too bad. We have recently had a washing machine disaster, but we got over it by buying second hand and being sensible, so give it a go Mark. I understand your apprehension but I don't think it will be as bad as you are expecting, lets face it, you are already budgeting for your DMP. Good luck hun. Kazzy x
