Hi I have no plans as yet as to if I will treat myself or not. I am just concentrating on getting the best rate remortgage at the moment and then some much needed work re-freshing the house. It has been a long 4 1/2 years and i have had to work damn hard (2 jobs) to get myself out of the mess but ha...

At long last I was advised by my IP yesterday that my offer has been accepted by the creditors, my remortgage just needs to go through now - where there shouldnt be any problems - freedom in 6 - 8 weeks. It has been a hard slog but I feel that I have learnt from the experience.

I will try to explain without too much waffle!!! My mortgage balance is approx 63k and I am able to raise 73k. To finalise my IVA I owe just under 7.5k and am offering the creditors just under 9.5k. With being able to offer a little more it will alter my total from 28p in £ to 30p in £. My IP advise...

What an great and informative forum, wish i knew of this 4 1/2 years ago! I have just started the process of attempting to complete my IVA a few months early and have just been informed that there is a creditors meeting on 3rd of January - so fingers crossed I may be able to start the new year with ...