Thnak you Kallis, Lesley and Ginger... it's such a relief - Im still in shock - the boys start half term today so I don't have to do the school run in the morning so Im thinking... a cheap bottle of plonk tonight! lol I couldn't put in about the dietery requirements because the iva was approved in t...

Hi all, Im sorry I haven't posted for a couple of weeks - we were all hit with flu so have been a bit out sorts and out of routine but all feeling much better now. Firstly, thank you all so much for your wonderful comments, so heartwarming and reassuring and lovely. It's great to have such wonderful...

Hi Janez - I feel exactly the same as you and I haven't even had my IVA approved yet! Meeting is scheduled for 17th October. I already fear and fret over what I won't be able to do / afford - but the reality is that I can't afford to do it now anyway! I guess the whole thing that keeps me going is t...

Hey Daveychef and JetSetWilly - congratulations to you both! A day to remember! And Daveychef it's hard now with your relationship break up but keep strong - you are doing the right thing and just trust your gut feeling and go with it - it's never wrong. My creditors meeting is on 17th but Im not wo...

No probs Im happy with SilverLinings [:)]

At least the sun is shining on your return but it's not supposed to be lasting.

Thanks very much for doing that Jan x

Omg - no sleep! was that because of travelling? At least it's friday and by tonight you'll be ready for a night cap!! I think I registered SilverLining when I initally signed up a year ago... then reregistered under tajsiva is it possible to check if it was me?

That's the only downside of going away... washing and ironing!! Never mind it's the weekend[:)]

Hi Kallis that's great thank you - I'd like to change it to SilverLining if it's available?

We definitely missed you!x

Thanks Kallis and littlefi - Im glad I did because they've put a note on my file to say I have to leave home at 12.15 so at least they know my commitments - didn't really want to rearrange the consultant because Im anxious to know about my sons hospital results. So all sorted now and one less thing ...

Kallis great to see you back - hope you had a great holiday and enjoyed some r & r! Just wondering if it's ok to change my username without re-registering? x

Congratulations Sam and Sarah! - I hope Im joining you soon!

Hi lancslass and welcome to the forum! Congratulations on having your IVA approved. It is a big step and like you I felt a bit numb signing all the docs and returning them. I think none of us like the idea of being insolvent and often ask 'how did we get here?'. But you are in much better place now ...

Hi Shaz1407 I too went down the dmp route in november 2009 - initially I could afford quite a decent repayment but over the months with the cost of living rising it was proving more and more difficult. Then I had a few unexpected emergencies ie. car and leaks in the house which meant I had to lower ...

littlefi, just rung my company and they advised it was no problem - so that will be a big day - creditors meeting and hospital! As they say... everything comes at once!

Thank you littlefi, I think you're right - 2 hours is a long wait so I'll give them a call and double check just in case they need me to be around longer in case there's any delay.