Hello Kerri
Nice to hear from you, I know what you mean. its a bit of a downer on the forum today, really wish I had not come on. All of these people struggling, trying, it really makes me sad. I think IVA's are going to be out of reach for many, due to the creditors increasing demands, it seems we need to be punished for our sins, dosent it? I really thought I was sorted when I found out about IVA, little did I know. You are right, you just do not know whats around the corner, but it need not be bad news, life is too short. Sorry I should be saying something positive, I just feel c***p. I feel for you, you know that. I hope that it all works out for you kerri, for everyone here. Have a brilliant weekend, footie on TV tomorrow, if its not cancelled, we have really bad snow here, its been coming down all day.
Good luck everyone.
lots of love
LILY