Merry Christmas everyone and a bright new year....now is the time for being thankful for what we do have and not what we dont. Example....had a car smash right into me on weds...car written off...BUT...no-one was hurt...:) Have a good one all....much love always... Angie xx My IVA Story......http://...

It is upsetting and i can feel your fustration...xxx i am sure someone with more experiance will be long to help and guide you soon.

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

I dislike this time of year, the pressure we feel to buy gifts and be full of xmas cheer isnt fair. All i can say is this...christmas is for kids really, only buy for kids. Grown ups should understand and if they care for you at all they wont expect something that you cant afford. Christmas is so NO...

Hello everyone...xxxxxx I havent been following the scutter press much so dont know all the facts...but i did hear that this guy had lots of debt, and what concerns me is that if that was the case, that someone can feel so desperate to fake there own death as seeing it as there only way out. Its tra...

I would def find a broker where there are no upfront fees....there is no way i could have paid out on valuations and solicitors fees with our budget. I even had a quote from one brokers who advised i just wack the charges on a credit card !!!...and yes he new we had done a IVA. Thank goodness i foun...

could interest only be an option for a bit. x

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

hiya x who is this creditor...?

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

i agree, i have heard the "i am skint" followed by "i haver this much savings" so many times...i am like SAVINGS !!! WHAT ARE THEY....

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

just found these....£16.99....http://www.cruzshuzgb.com/



Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

dont know where abouts you are but Donnington Market sell them for £25...they aint the real heely's but they are very good.

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

I love that idea melanie...vouchers does look better than money doesnt it...thank you so much. I "think" she will be pleased, but another friend who knows her too said maybe not...thats why i got worried. Thanks again xx Angie xx My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/18/our-iva-st...

Hiya all. hope you can help. I think i may have just put my stupid size 6's in it. I know someone who is skint, real meaning skint, not "might have to dip into the savings skint". She has NO money at all for her kids gifts at xmas...without even thinking i secretly asked a few mates if they could sp...

the secured loan would have been paid anyway...so i dont think the other non secured creditors will mind. And...as doing all this may mean a little more into the IVA i am sure they will be very happy. xx

Angie xx


My IVA Story......http://bagpuss.blogs.iva.co.uk/2007/09/ ... iva-story/

I would go through a broker...there are some on here and i used Leybridge. Important to ask about upfront fees...i am guessing that you wont have funds for solictitors and valuations...so no upfront fees is important. Just another option to help with bringing down those monthly mortgage payments is ...

i might be wrong so forgive me but surely without the IVA the debt would have been bigger cos of the interest, if the interest is frozen while on a IVA then the debt amount remains the same, but without the IVA every £ you paid back so much would have gone on the interest. I think the plus here is t...