Hi All, This topic is a bit of a grey area for me too... what about holidays, are we "allowed" them? I am able to keep up with my monthly repayments but find my quality of life rather unsatisfactory, its making me rather depressed :o( Melanic, you mentioned an IVA being "varied"... what does this me...

Very very good luck to you Dominic, and you Bluebelle, I'll send positive thoughts your way for your meetings. Let us know how you get on, won't you? I had my creditors meeting on September 4th of this year, I was a nervous wreck and was petrified about sitting in front of lots of angry people (cred...

Thank you all for your postings, its very reasurring to know that you're not alone. The reason why I'm finding it such a struggle is because at my creditors meeting, 2 of my creditors said they weren't happy with my income and expenditure and asked for an extra £50 a month, and it was either agree o...

Hello everyone, I'm brand new here, its so nice to be among people in similar situations, its so easy to feel so alone! A brief history: my IVA was processed through July/August and finally approved in September. It was the most stressful time of my life but its thankfully behind me now and I have a...

Hello Scooby,
I've heard of them, they've an office in my home town, but I didn't use them - I went with Jeremy Knight & Co.
Best of luck!