Thank you Ryan, we will be in touch once the time is right!

Thanks Baldy - think I called you badly on last post!! sorry!

To be honest, I had a complete breakdown over this and I still worry dramatically about everything, money included I just need (for my sanity) to leave this all behind, maybe in years to come when I feel able I might come back, I would love to have the strength and courage to hang around but at the ...

This is good bye and thank you I am afraid, It has been so hard, yes I am delighted that we are through it, but sadly it has come at a cost to my health, which I really want to try to improve. Starting afresh means leaving all this behind so GOODBYE AND THANK YOU AND GOOD LUCK TO ALL XXX

Thanks Badly and yes if it is your personal inheritance it goes to the IVA but the inheritance was my mums so with some savings too she was able to raise enough funds to pay the IVA, we were not in a position to, hence we were in the IVA, sorry if my post wasn't clear!! I am eternally grateful to my...

GOOD BYE AND THANK YOU[:D]

thanks!!!

Yeah, perhaps I just figured they would want to finalise files etc, but like you say why would they bother!!!!

I am surprised I have to do this to be fair, I presumed that the companies concerned would end the process, as they do once payment has ended on a non IVA agreement. this, in theory is the same thing, they have agreed to end a credit agreement! however I shall write my letters etc and hope I am not ...

Hi there, just wondering, now our IVA is completed (we closed it early, accepted £7000 as final payment) All companies agreed and we now have our completion certificate BUT we are still receiving default notices, which show the final payments made, should we still get these, I didn't think we would...

I wanted to say a huge thanks to Ryan, who from the goodness of his heart, for no reward gave my husband and I some excellent advice. A true gent and a great help, we would definitely recommend getting in touch with him. We are looking now to settle our IVA early thanks to his help and advice and ho...

CAn I just ask I thought that once entered into an IVA no defaults were allowed to be registered as they have agreed to accept your offer of repayment, am i wrong in thinking this?

Luluj would it be possible for you to send me the contact details for the advisor you talk about as I could do with a bit of advice re:mortgages! thanks