just wanted to say hi and thanks for being here.

[Rob__]

Hi Everyone, just wanted to say hello as i cannot express enough what a valuable site this is to realise that you are not the only one in a debt situation is comforting in a strange sort of way. I have been in an IVA since January 2007 and again just wanted to say hi and thanks for being here.

[aguise]

Hi to you too.
Its nice to know the site helps, it has helped me a great deal to understand everything and try to keep on track. Hope your iva is going well mine strted at the same time too.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

[MelanieGiles]

Hi a iz and a warm welcome to the forum

It's lovely to know that there are a lot of silent members out there who are also gaining a lot from reading posts on the forum, as well as the regular posters.

Everyone gets something out of the forum - including the insolvency professionals like myself who learn an awful lot from the other professionals such as the mortgage, financial and insurance experts, as well as from people who are living the IVA or bankruptcy experience.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Adam Davies]

Hi a iz
Thanks for your post.
As Melanie states,we forget about the people who read the forum and do not post.It,s good to know that we do help people and your so right that when your in debt you feel like your the only one.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[Lisa2009]

I for one would deffinately urge all the silent readers to post.
I used to be one of them for some time.
The best thing i did was ask my 1st question because the non-judgemental attitudes of everybody on the forum gave me the confidence to keep asking and that went a long way to making me see that i wasnt on my own.
Please just ask.....

[Skippy]

It took me a while to pluck up the courage to post - I wish I'd asked questions sooner!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[lily]

This site helped me too, loads, I was so desperate but it is quite difficult to make the first post. The words just dont come and you dont quite know where to start but if anyone out there feels alone, overwhelmed and desperate, this is a great place to be.

lily

[BlueShoes]

I read posts for months before posting, and of course, during that time the debt got worse! Now two payments into IVA and still a daily reader!
Blue

[mikebdomain]

Hi a_iz what a nice thing to post, hope you now decide to continue posting...

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Mortgage Broker
Specialising in adverse credit.

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf

[iva_squirrel]

Hi a_iz,

Thanks for posting your thoughts. I believe we all benefit from this forum so now that you gave the first step keep posting and ask as many questions as you want.

Regards,
Michelle P.

[ray_a]

Totally agree I can not thank this site for all the help that it gave me a few months ago!

[desperateneed]

I absolutely echo your post - this site and the advise is invaluable; it does frighten me though (but at the same time reassures me) the amount of people in the same situation. I wish you luck in whatever your personal circumstances are ...

[Rob_]

[:)]Thanks for the welcome all Rob