I will try hypnotherapy hope it works. I have to admit I am crazy with clothes, shoes, and appliances although I have no place to put. cluter is another problem.

thanks to all of you, I do not have have someone who can hold onto my savings for me. I avoid go to high street shops, when I do disaster happens. I tried to put my money in a saving tin, after a while I open it and my shopping appitite come back dancing.councelling did not work what else can I do?

hello everyone in the forum, yesterday I received my completion certificate, my IP stated that it is not their responsiblity to notify credit reference agencies of the completion of my IVA. what do I do now, what to say to the credit agencies.
many thanks

thanks Melanie for your advice

thanks to all, definitely I acted naively when I disclosed all my unsecured debts which belong to me only. I was not dishonest,now I feel the horrow of my act, what to do next,I really do not know- not sure if my daughter or her partner will help in this matter.

congratulations Claire, have a nice sleep tonight

Thank Andy and Micheal, I already concluded my IVA by paying the money to my IP 2 weeks ago. I did not include the credit card balance that my daughter used, but now she is leaving abroad with no promising job.if I approach a company to arrange debt management plan for the time being with reduced mo...

acongratulation luluj, I know the feeling I had it 2 weeks ago, I still can't believe it still scared of spending money, but after all it is my money will enjoy it, wish you good health and bright future.

any good news, counting the minutes! I am sure it be positive result

a very good luck lulji

I have been a member of this wonderful forum for more than six months, I am addicted to it, mostly because of the positive advice members provide, the support and knowledge as well, I can not thank the forum experts enough, negative comments or distructive critisisem is not wast time and do not dese...

Hi sus65, congratulation, I was with payplan and my f&f accepted last Monday. have a wonderful chirstmas and a very successful future. good luck

THANKS AGAIN, I AM A NEW PERSON AND I LEARNT A GOOD LESSON IN LIFE, APPRECIATION OF WHAT I HAVE - ANYTHING I CAN'T AFFORD I DO NOT WANT.
BEST WISHES TO EVERY FORM MEMBER WHO IS WAITING TO FINISH OR F & F THEIR IVA AND GOOD LUCK TO YOU SUS65
REGARDS

you are absolutely right sus65, I really would like to shake hands with all the expert of this forum one by one, it did not matter what time in the day I asked for support and not get it, I felt they are my family (funny enough non of my family knew about my IVA except my x)I wish you all the best S...

hello again, I would like to thank everyone in this forum and forgive me for using three user names, Patericia and tuta. I am so happy to tell you that my F&F has been accepted yesterday, without this form, I will never know there is something called F&F. the knowledge I had from you is priceless, w...