I feel a big drink coming on!

Thanks everyone, i think this may be as close a feeling as i get to winning the lottery!!

Vimto1029 yes we were 4 3/4 years in!

Thanks, if it wasnt for this forum, the wonderful people and great advice I wouldnt be as sane as I am. So a big thanks to IVA Forum

YYYYYYEEEEESSSSSSSSSS Creditors have accepted my request for payments to date to be accepted as full and final payemnt!!!! I am elated cannot believe the end is now so close. A few more months to wait for closure then thats it i can use these words..... DEBT FREE!!! Big thanks to Declan and the Debt...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles I am sure that your proposed variation will be successful, given the circumstances you describe. Has your IP given you any idea of timescale for presenting this to creditors? Hi Melanie, n...

Hi Vimto, James, sorry for jumping in. My wife and I are in an IVA, and after 10 years of marriage are splitting. We are awaiting a decision as to whether payments to date can be used as F&F settlement. Everything rides on this decision as we couldnt afford to pay the IVA on our own wages, plus rent...

That huge weight that has been on your shoulder for the last 5 or 6 years has just fallen off!! Kick it into touch and enjoy life again!!

Big well done

Hi Pennyless,

Thanks for your support, the reason we are asking to end IVA is to save our deposits for rent, and we couldnt afford the IVA on our seperate wages after rent / bills / child allowance etc.

Unfortunately there is no patching up, 19 years together 10 married, not a happy time in my life

Hi, good to hear that you are ok, not so good RE the car. Tough one to call, but is it worth persisting with phoning GT, despite the promise of a call back, just pester them until you get through.

Not sure what the consequences of not paying your DD would be

Good luck

Can't do anything other than wait! Hi all not really a question just relieving some stress! We sent our request to DFD yesterday to use payments to date as F&F payment, now it's a waiting game. Declan's been great, but the outcome could be bitter sweet as my wife and I are seperating. As I potential...

Thankyou for all your support, this could potentially be the light at the end if that gruesome tunnel

Hi Tina,

Yes it's good to know help is there when you need it. Just an emotional, nervous wreck at the moment. Everything crossed on a decision

Declan,

Thanks for your help, and guidance so far, I really hope we get the outcome we need to carry on with our lives as individuals.

I have just sent you a quick email

Russ

Hi thanks for all your posts all helpful. I'm not sure I understand all of this, if we ask the creditors via DFD to consider our application to take payments to date as full and final payment, and they agree, sureky the iva will end? If that's the case and we sell after they have agreed does that ma...