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by olympic_torch
Sun May 26, 2013 10:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: They think it's all over.....
Replies: 5
Views: 1725

Evening All It's been a while since i posted, but i wanted to share the news with posters of long standing. After taking starting our iva in may 2007, i logged on to noddle tonight to find the iva has dropped off our file and our credit rating is now 4/5. It's been a long road, and a true roller coa...
by olympic_torch
Sat Mar 02, 2013 9:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Melanie Giles
Replies: 9
Views: 2131

In my top 10, Armageddon, Bruce kicks asteroid.
i have to admit to a small man crush on Bruce, love the Die Hard movies.
Doesn't wear a mask or a cape, any man that can bring down an F35 single handed rocks.
by olympic_torch
Sun Feb 10, 2013 1:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: GE Money, wont stop sending us letters
Replies: 7
Views: 1774

GE Money, just reading the name makes me go cold.
They were our most persistent if not to say nastiest creditor prior to our iva.
Phone calls at work etc, very nasty edge to them.
by olympic_torch
Wed Jan 23, 2013 6:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lloyds withdraw banking support for IVA customers
Replies: 209
Views: 33365

I know i shouldn't, but i'm sort of glad i owed lloyds tsb a small fortune so i can never use them again.
by olympic_torch
Sat Jan 12, 2013 9:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: why did we choose an IVA?..
Replies: 31
Views: 5527

We were sorting out our attic the other day, in preparation of a free insulation visit, (its filthy and full of cobwebs, but the kids love her) we found an old lloyds credit card statement, i broke out into a cold sweat.
It was a sobering reminder of the trouble we were in.
by olympic_torch
Sat Jan 12, 2013 4:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: why did we choose an IVA?..
Replies: 31
Views: 5527

Give me 10 more years foggy, i'm getting there.
by olympic_torch
Sat Jan 12, 2013 3:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: why did we choose an IVA?..
Replies: 31
Views: 5527

For most of the reasons already mentioned, bankruptcy was not an option, we looked into a dmp, which would have taken 16 years with no guarantee that the creditors would go easy on us.
Without a doubt, iva was the best thing we ever did.
by olympic_torch
Sat Jan 05, 2013 11:08 pm
Forum: friends corner
Topic: News
Replies: 8
Views: 2050

We wont have that luxury i'm afraid, thanks to the housing policy around here they will all probably be living with us until the grandchild starts university.
by olympic_torch
Sat Jan 05, 2013 10:57 pm
Forum: friends corner
Topic: News
Replies: 8
Views: 2050

Hello me old iva'ers, bored to tears with the telly, and, as I haven't posted for a while, I thought I would share some news.
The Torch dynasty is expanding, our eldest is expecting her very own torchlette in July.
Our very first grand torchlette.
Mrs Torch hasn't stopped hyper ventilating yet.
by olympic_torch
Wed Dec 19, 2012 6:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: HAPPY XMAS
Replies: 18
Views: 2724

Haven't posted for a while but still an avid lurker.
A happy crimble to all past, present, cert pending iva'ers.
My final milestone is due in May, 6 years will have passed and hopefully my credit report should be cleaner than a bishop's joke book.
by olympic_torch
Wed Oct 17, 2012 5:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: 40,000 forum posts
Replies: 55
Views: 6515

Talking of keyboards, cracking trick we played on the commercial apprentice in our office, we swapped some of his letter keys over, wonderful to watch as he was trying to type a letter.
by olympic_torch
Tue Oct 16, 2012 3:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: 40,000 forum posts
Replies: 55
Views: 6515

what a milestone. congratulations.
40,000 eh? thats a coincidence, those are the odds my local william hill is offering for Wales to qualify for the next football world cup, (the one with the correct shaped ball)

xx
by olympic_torch
Sat Oct 13, 2012 3:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: David Mond IP of the year !!
Replies: 56
Views: 11240

thank goodness for predictive text!
by olympic_torch
Sat Oct 13, 2012 12:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: WE HAVE BEEN MUGGED
Replies: 19
Views: 3419

working man/woman is an easy target, always have been.
come the revolution i know who i'm putting against the wall.
by olympic_torch
Sat Oct 13, 2012 12:24 pm
Forum: Ask IVA Forum and Industry experts
Topic: David Mond IP of the year !!
Replies: 56
Views: 11240

did you have to google how to spell rehabilitate? :)
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