hi ox1987, hope you do get things sorted. i was very scared when i first started an iva, i ended up being left in debt when me and partner split as all debt was in my name only, so also became a single parent. the iva helped me get my finances sorted b4 they spiralled out of control. upto this point...

congratulations leslie, hope u have a happy debt free future [8D]

congratulations on making your final payment!!!!! my last payment was made in feb n it stil feels quite surreal that it is over. mind you i did treat the house to some new blinds this month!!! its now time to look to the future debt free enjoy [8D]

hi, i av a coop cashminder card and can use it online and at paypumps. however you cant ring to apply for an account you actually need to go to a branch, once the account is open if you need to pay any money into the account you can do this at any post office. hope this helps [8D]

hi, i changed my car insurance during an iva successfully. i was in same position as you been with same insurer for 6 years and premium kept on increasing even tho i had never made a claim. got insurance with co-op now. hope this helps [:)]

congratulations gillB, bet it feels quite surreal!!!! hopefully my certificate won't be too long, but my last payment was only 5 wks ago so could be waiting a while yet!!!! [:)]

i haven't heard of anyone coming to your house or having to get a credit report. i could be wrong tho, so hopefuully someone on the forum will be able to advise you better[:)]

please try and give melanie or some other iva company a ring, they will give you great advice which should put your mind at ease!!! a phone call doesn't mean u are obliged to do an iva it will just give you some answers. the first phone call is always the hardest [8D]

you should be fine with thinkmoney denise, i would give them a quick call to put your mind at rest. hope you give melanie a call today so you can get some answers and then maybe a better nights sleep!!!! good luck[8D]

hi denise.gn like you i had never missed a payment and didn't want to miss any but was advised to do so on entering an iva, so glad i did as it helped me put some money away for a rainy day!!! i also opened an account with think money, for the last 5 years i have known exactly how much i had to last...

i changed jobs whilst in an iva and informed the iva company, they didn't ask to see my contract!!! so don't understand why they would need it!!!

hi vicki welcome to the forum. i have and still am a lurker hardly ever posting but find it a very useful site. there is always someone wiling to answer your questions if they can and so many kind words given, nobody ever judge's you. wish i had found this forum sooner. good luck [8D]

hi, its always good to have someone close to talk too. i found it really helped me when i was starting out with my iva.my family and friends really made me feel better when i was feeling there was no light at the end of the tunnel, so talking to your sister tomorrow should be a big relief for you. a...

hi, it was hard for me at first but some how it did become better and for the last 5 years managed to save for xmas and birthdays. so my answer to your question there will come a time where you will be able to look forward and see light at the end of the tunnel. hope you can relax shortly [:D]

congratulations on completing your iva!!!![:)]