I'm glad to hear it! It would be much more daunting if I was entering something and there weren't many people to have either been through the other side or to say something positive about it. The irony is I've never spent extravagantly on anything like booze, holidays, cars, gifts etc. I've always k...

Interesting way to put it. It's a big fork in the road. My head has been spinning to be honest in the last week since contacting Stepchange. I'm obviously focused a little more on the negatives at the moment than the positives, the main thing I suppose is not knowing the restrictions upon agreeing a...

I suppose my biggest worry and insecurity about this whole process is the current lack of independence I have and how it will only make it worse... I don't have any doubt I'll have a problem making the payments or budgeting properly. I moved back home a few years ago after having left a stable job (...

Yes am happy to exchange emails then take it from there?

Sat Apr 13, 2019 3:25 pmluluj wrote:

I live in Beds ... so not too far from Watford ..and would be happy to arrange through admin to exchange email addresses if you wanted to arrange to meet up half way.

Interesting. It sounds like a good concept though, since you may be more liekly to be open about it with others who are in similar situations! We used to be a far more "sociable" bunch with, as you say, the odd frugal friends meet up, sponsored by an IP member and more banter on the forum generally....

Thanks for all the messages of support so far! I don't so much fear it, though a lot can happen in 5 years, a loan is an interesting way to see it... I initally thought of it as like being on bail or probation!! I can be pretty frugal when needed... at one point I didn't go out or drink for 4 months...

Hi everyone, I'm in the process of entering an IVA. Firstly a week ago I had no idea such a thing existed, let alone this forum. I first picked up a Stepchange leaflet from the library about 5 or 6 years ago, and never called them until this week (though to be fair my credit card debts were relative...