yea must say also time has flown by 49 down 11 to go go[:)] Not been easier few setbacks but managed to get through ok also daugter just started uni so what spare cash we do get is for her she needs it more than us at the mo.Must say doing an iva has totally changed my outlook to money, never again ...

What i forgot to add reguarding getting turned down for 2 remortagages, was that one of the banks was one that had to be bailed out by the goverment ie the taxpayer ie ME[:)].Talk about double standards.

Bit confused ? been in a iva for 4 years now and had to go to 2 banks for a remortgage ,both said no of course but wonderd why when the lady did my credit check it came back has i was bankrupt>>..thought an iva was different to being declared bankrupt.I mean would that not have been easier 4 yrs ago...

Hi all i too would certaly recomend Natwest went in explained been in an iva for 4 yrs and was told not a problem.opened a step account job done no hassle.

Hi all new to forum thought id have a look on the web to see if there was a forum for people like me who are doing an iva, and so ifound this site. Been in our iva 4yrs exactly now thats 48 down and 12 payments to go yeahhh.. So just a piece of advice to anyone considering an iva dont put it off to ...