Thank you all so much, but you know I can still vividly remember the day I started my IVA; as I signed the paperwork tears were streaming down my face, and when all was done I had to rush to the loo to be sick - I was an absolute wreck. I still recall the tough times (and there were many) but I have...

Today I received a letter which read: "We are pleased to tell you that your IVA is now complete and that your creditors have been satisfied. A completion certificate is attached". I know this was confirmed back on March 4th, but have been waiting a long, long time for this day, cos it really is offi...

I love every one of mine and have never lived in an animal free zone; I am just delighted to say that in the past 4.5 years they have never gone without (hubby and I have), and I really believe that without them I would not have fought so hard to keep our home; the the prospect of re-homing was a no...

Yes greyhounds do! My neighbour has just rescued a one and she (Lola) is lovely - mind you, she is not to be trusted with small dogs (i.e mine!) or cats - yet. Don't know which part of the country you are, but google a resuce centre called 'Many Tears' - but have a hankie handy! I am not in West Mid...

We have 4 dogs (a Cocker Spaniel (10), 2 x Lhasa Apsos (5 and 7) and a Cairn Terrier 11 months) and 11 cats: all 15 are rescued, and God only knows how we have survived the past 4.5 years - but we have!!!

Ditto Barbara During my IVA in 2005 I almost lost my 78-yr old mother to a hit and run car accident; she spent 10-days is ICU on life support following neuro surgery to release a massive blood clot on her brain and when faced with that sort of episode in your life (including the extortionate NHS car...

I am not 'showing-off' but I have just recently (4 March) completed my IVA journey and am at last breathing a sign of relief - although I must stress that back in August last year it could have all gone horribly wrong for me and without this forum I dread to think where I would be now. Apart from be...

Good news and good luck!

Hi Everybody, and thank you so much for all your good wishes - have the hangover from hell today but, as Andy has suggested, will definately be leaving feedback about this forum on the feedback link; I cannot stress enough that without this forum I would not be in the position I am today, the advice...

Hi Isis, and thank-you - my circumstances were that back in August my Ip asked me for either £20k or my home would be in jeapordy; I then found this website and the rest is history. Without the support and knowledge of this I could have been homeless. I am proof that there is light at the end of the...

I do not want my experience to go to waste and I will never forget this (obviously) which is why I will continue to check this forum on a regular basis in the hope that I can help others who are now where I have been.

Update: just to let you know - my proposal has been accepted! Without the advice and support of this website, and in-particular Melanie, I could have lost my house ... I am a bit overwhelmed at the moment (crying) but cannot thank you ALL enough. For those of you still finding problems, I am living ...

Sorry to go on (and on, and on ...) but does anyone know how long a creditors meeting takes? My IP was very specific that if would be a 2pm today.

Thank you all so much, you can't believe how much your support means to me.

Have just emailed my IP for an update and will let you know the outcome...

The original debt was £22k and I am in year 4 of the arrangement, this means I have already paid in over £10k. The original amount expected by my debtors was £13,800 - the £3k would bring it to this amount. However, the complication was/is that I was supposed to remortgage my property in year 4 (Aug...