Oh thanks for the lovely messages. We are looking forward to a debt free future starting with a nice bankholiday weekend yipee!

Hi well today me and hubby got good news our IVA has been accepted. No mods or anything I will post more details when I get chance we were offering 47p in £. For now a big thanks to Melanie and her team whom have worked on this complex case for a very long time im sure they will be glad to see the b...

We are really pleased the end (and start) is round the corner. Our IVA offer looks better than we though. We were quite pleased at the pence in £ creditors would be getting back as we thought it would be lower and we do want to pay them back what we can. We have not had any creditors call or send le...

Melanie I was not meaning the delays were made by my IP I was meaning the creditors I worded this badly. I am very happy after reading my paperwork and can clearly see how much work and effort goes in to producing an IVA a fact I had not thought about fully[:I]

Yep I was just diving in without reading it properly[:I] I know my IP checked every angle to sort this matter out and that was not in question I know it was the creditors who delayed this part but was not sure if I had to pay them something aswell as IVA but after reading it all seems clear. Thanks ...

oops Im stupid it states they have agreed not to claim any payments for the duration of the IVA. Gosh my IP is good[:I]

Hi Storm I know my IP has been working very hard in contact with the creditors for ages but they have just delayed it to the stage we cant wait for them any longer. I am sure my IP will explain however I did not want to call them on a weekend so thought I would see if any of you could explain it to ...

I have now got my draft of my IVA offer and I am sooo pleased as it now feels like we are doing something positive. The question I have is we have a date in August for one debt to claim charge over our equity in our property so my concern is I assume we will have to pay a monthly fee to them and int...

I will do another too but need to find another one as the one we went to on Sunday now charge £17 a pitch thought that was way too steep for someone selling junk ok for the traders but they have to pay £33! it is council run though so that says it all lol

Yes I have stopped selling on ebay for this reason had someone bid from abroad when my list said clearly only posting to uk. He than had the cheek to expect it posting for same price! I love shopping on there though just got some brand new white gold earings so they will be a good christmas present ...

Hi well we are not in an IVA yet but we have used roughly the same amount of money the last few months having our heating upgraded a new boiler. This month we have also saved up our first months payment ready for the IVA (rough estimate of figure). We have done a car boot sale this sunday and cleare...

Hi Skippy thats great news. It also seems to have flown I started reading on this site about 18 months ago how time passes by. You should be really proud that you have got through it all well done [:D]

Yep your right plasticdaft and it was soooo easy to get in this mess lol Oh well got a cheap holiday curtsey the sun newspaper to wales in a few weeks so thats something to look forward to.

Hi I am really here reading posts to cheer me up and show me how many lovely people have gone through what we are. We have had some tough few years after a business failed we decided to go for a F+F by a re-mortgage however due to the current market issues this fell through (what timing eh?) so now ...

Hi I dont know if anyone has posted this but the sun holidays for £15 are on you would need to be quick as you need 7 out of 12 tokens and its on now. You get to stay for £15 but travel to pay to get there but still a easy way to get away for a while. Most are holiday parks grat for kids. Some reall...