So my IVA application was granted.Not sure if I feel happy, relieved, disappointed in myself 🤷🏼‍♀️I’m part of a group on Facebook who seem to be against IVAs.It really worries me that I have made the wrong decision. Some of the comments on someone’s post goes like this: ‘Ivas are not recommended as ...

So My meeting of creditors happened today.I assumed I would have received a call but nothing 😫so I’ve no idea if it’s been successful or not.So stressed.I’m with credit fix and on the app it just says my monthly amount and how long for..no updates or anything.Was hoping this whole thing would be con...

Well I’ve totally screwed it.I’ve had to use my credit card for gas,electric and fuel.I’ve spent about £50, I couldn’t borrow off anyone,I have no other money.I had no choice.I’ve paid all my minimum payments this month as usual as I wasn’t aware I could not pay them once my application had been mad...

Evening all,just been sent an email with a date for my meeting of creditors.August 16th, so a couple of weeks away yet.
What should I expect to happen on the day?do I need to do anything?I've read that they like you to be available in case you need to answer any questions.Feeling very anxious!

Apologies if I’m repeating myself, just so much Info to take in at the mo.

I’m by no means going to have lots of money, but what I do have,am I allowed to save my money to go to a wedding in London next year?
Or is it something I will get into trouble for?

So I’ve just had my final call with credit fix, and now it’s a waiting game to see if my creditors agree.It’s going to be a long anxious wait to hear if I’ve been accepted or not.

Thank you Kallis3,it sounds utterly horrendous so no I won’t be doing those,I just wondered opinions on it.
I’ll definitely be sticking with the IVA route.

Thanks Foggy.So helpful to be able to hear people’s experiences. I honestly don’t really know about the 3 letter process.It’s a group called beat the bailiffs.It’s a way in which you can reduce your debt by sending letter,and appealing claiming irresponsible lending etc. They don’t advise IVAs but t...

Could I ask another couple of questions: So I’m on a group on Facebook which doesn’t advise IVAs, they are saying that you can reduce debts by doing 3 letter processes etc.This sounds like a really long stressful process, which would involve creditors chasing and defaults etc..has anyone heard of th...

Thank you everyone!it’s all consuming my mind at the moment, I feel so much uncertainty about my life now, feel I’ve failed my son.I’m renting my house and terrified my landlord may find out and hold it against me, or if I have to move in the future, I’ll be homeless, as nobody will accept me with a...

<t>I am just starting my application for IVA,so I have a long road ahead of me.<br/> I’m feeling scared, confused, disappointed in myself, ashamed and very embarrassed.I’m not telling anyone, but it’s a big burden to carry alone.<br/> I have done a lot of reading on IVAs and especially on this group...