Merry Christmas to all

[Adam Davies]

Hi
I just wanted to wish all forum members a very happy Christmas
For those that are waiting to enter into an agreement with their creditors it must be a difficult time,however you have made the hardest step and that is admitting that you have a debt problem and are trying to do something about it.
For people that are in an IVA then you are on your way to a much brighter future,believe me.It will get tough at times but just keep focused on that end date.
A special thanks to Melanie for her invaluable contribution,also to Catullus.............this forum would be lost without you both.
I would love to say a big thank you to all the regular posters and name them but I can guarantee that I would miss somebody out,but you know who you are and I am so grateful for your support.
This year has seen IVA.co.uk grow very quickly and become a highly respected voice in the credit industry and the market leading debt forum.I'm sure that through 2008 we can continue this success by giving people a place where they can find support,unbiased advice and friendship at a time when,because of debt,they can feel so low and alone.
Thanks again

Andy Davie
IVA.co.uk Spokesperson and Website Manager

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

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

[pippa]

A very Merry Christmas and a Happy New Year to you too Andy, I for one am very grateful for all the advice and support you and the others offer to all forum posters.
I personally have learnt so much since posting, this site really is invaluable. I wish you and the forum lots more success in 2008.


Pippa

[emma_t]

I personally could not have coped without the help and support from the forum in the last 6 months, it truely has been a lifeline for me as no one knows I am in an iva and I have not told any family or friends about my situation.
I would like to thank everyone on the forum for all the suppor and advice I have recieved, I dred to think where I would be if I had not found this site.
I wish everyone going through an iva/bankruptcy all the best and for those thinking about it good luck on your journey.

Wishing Everyone a Great Christmas and a very Happy 2008
Many thanks again [:)]
Emma x x x

[Skippy]

Merry Christmas and Happy New Year to you too Andy, and to everyone else on the forum.

Thanks to everyone for your help, advice and friendship over the last year and I hope everyone has a better 2008 x

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/

[Shining]

Merry Christmas and a Happy New Year to you Andy, your family and all other members, I'm sure at times I would have gone mad without this site. Keep up the good work x

[lily]

Merry Christmas everyone, thanks for everything. The support in the last 15 months has kept me sane.

I wish the very best to all. Lets hope the forum continues to be a place of comfort for all suffering debt stress in the new year.

Good luck to anyone who have creditors meetings/ BR in 2008.

Pray for strength, for hope and for freedom.

lily

[Martin2011]

My most sincere and very best wishes to all for a peaceful and enjoyable Christmas. Andy, you're running a great site for which many of us are more grateful than can be put into words. Many thanks to my fellow IVA'ers for all the support, advice and encouragement and special thanks to the experts, especially Melanie for giving so much of their time to help so many people through one of the hardest experiences they'll face.

Here's to a great 2008 everybody, to more people rescued from the nightmare of debt through finding the right solution, and I look forward most of all to congratulating all those who make it to succesful completion.

Best regards

Martin

[cat 1]

I would also like to wish everyone a happy christmas too. I would also like to say a big 'thanks' to everyone on this forum.The people I have told about my IVA are very limited so this site is such a relief to wake up to/come home to.So friendly, non judging and most of all informative (I also like the very silly bits) I also like to say how nice it is to ave 'bought' something with 'real' pennies to folk who actually understand what I mean. Good luck for the 27th Caraf. Stay srong.
Again 'merry xmas'. God Bless. Cat 1

[caraf]

Merry Christmas and Happy Debt Free New year to you Andy and all forum members. I sincerely thank you all very much for your help and support over the last month or two. You have all been my lifeline. Just wished the 27th was over now and everything was approved and I could look forward to a Happy New Year myself.
Thank you all very mcuh
Carol
x

[Martin2011]

Carol, it will be a happy new year for you.... keeping everything crossed for you and confident I'll be sending my congratulation along with everyone elses on the 2th...

Enjoy Christmas and try not to worry...

Martin

[scaredkez]

merry xmas every one, especially to andy and the iva team, lets hope 2008 is a better year for us all, good luck to all those who are waiting on meetings, last year i posted the poem from a present my son had made me and i can't find it which i would have loved to share with you all again this year, i hope lily can find it, it brought everything home to me, well everything that was important, enjoy xmas everyone.
love kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[keh]

Merry Xmas and Happy New Year to one and all

Keith

The long and winding road will straighten out eventually....keep the faith

[thebear29uk]

Merry Christmas to every one of you. This forum has gone from strength to strength over the last 12 months. Like Andy says there are so many "regulars" now and people that just pop in occasionally. The number of success stories has been encouraging to those waiting to hear and the backup and genuine concern when somebody gets rejected shows human nature at its best.

Regards

Dave

[whichwaynow]

I would like to thank everyone here for there help and support over the last few months and wish everyone a truly Merry Christmas and a very Happy New year.

[olympic_torch]

A very merry christmas to all of the posters on this wonderful forum, and all your families.

Aucto Splendore Resurgo.
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