Wishing everyone a worry free and very Merry Christmas

Thank you Kallis3, will give it a try.

Thanks Julie and Kallis3, I will do that.

Am very angry, after all that effort my blog has disappeared! It says Blog suspended, does anyone know how to sort this? I received my completion certificate yesterday so I'm really pleased but can't update my blog, any help would be greatly appreciated.

Thanks Jeff and FD, it's finally kicking in. When I threw all my old paperwork out it really was quite shocking the financial mess I had got myself into. It's gone now, hopefully never to return again. I agree with you Kallis3 but I scanned the paperwork just in case I needed to refer to anything ov...

Thank you, I was very sad yesterday and scanned all my IVA paperwork so I could throw the original stuff away. In doing so I completely cleared out five years worth of my bank statements and other old paperwork, I felt very good indeed after that.

Oh it will be a pound shop cheapie I think

I had £4,500 left and went in with a £2,000 offer. It was accepted due to my circumstances, being only available for a F&F and the funds being supplied by a 3rd party.

Thanks everyone, still has not registered as i'm so used to owing money to creditors. I have put my IVA story on my blog and will update as soon as my completion certificate arrives. I may buy a frame for it this weekend!

Best of luck, i've just finished my IVA. I was exactly the same when I started out in 2005, all sounds very positive so far.

Just received confirmation today from Payplan that my IVA has been satisfied with the full and final settlement. The Chairman's Report was included also, the certificate of completion is to follow. Payplan said they will send one to each of my creditors. It still has not hit me yet that it's finally...

Hey Cath, always best to think safety first and get your car completely sorted. My IVA included a windfall clause, I was allowed to keep up to £500 but the rest would have to be paid into the IVA. Hope this helps.

Hi everyone, I had my variation meeting today and my offer for full and final settlement was accepted. I'm numb with excitement and relief, I don't think it has quite hit me as yet. I will post a link to my blog that is almost finish very shortly, I was just waiting for todays outcome so I could fin...

Well done and best of luck for the future, my variation meeting is Friday so hopefully i'll be in the same position.

Hi Everyone. My variation meeting is tomorrow at 2pm. Just had email from my IP to re-assure me,(the jitters are kicking in big time!!). She says she doesn't think there will be a problem as Max Recovery, who own most of the debt, have already lodged an acceptance proxy and she says it would be unu...