Our IVA was approved today!
I am so happy I could burst.
This means that we can afford to eat again!

Hi All,

Just had it confirmed in writing that our creditors meeting is 27th May - positive thinking, positive thining, positive thinking...

AnnieQ

Just had a call from MoneyExpert and they have agreed to waiver the initial charge and only take the first payment after the IVA is approved. I will speak to Melanie's Team and see what the timescale is (as it seems a shame to change if it ill set us back too long timewise) and then make my decision...

I have taken your advice and gone to Melanie Giles website. I have sent her my details and will see what happens... This is causing me so much grief right now - I just want to know where I stand and want to see an end to all this. We had our first 'red letter' last week and it is so scary - but we j...

I had my documents through on Friday and am not sure I can sign them! They want me to send a cheque for my first payment (£299), which will be paid into my IVA account. If the IVA does not go through or I change my mind the contraxct says that they keep the money. I was told I would have to pay noth...

The paperwork arrived yesterday and i have read through and signed. My husband is going to read his part and sign that too. Then it will be int he first class post tomorrow! I made one last creditor payment today but I will make no more - not even a penny from this moment on (until i find out if our...

I have been moved to tears by the positive response from everyone on this site. it is a pleasure to be a member and it is nice to know that there are people who will nto look down on me for the bad decisions i have made. My husband received an angry pohonecall this morning from Barclaycard demanding...

i am very pleased for you and wish yuo all the best

I have spoken with our IP and he was very positive about our IVA being approved because we can afford to pay off almost 75p in the £1 - which is a good thing for our creditors. He is very positive about it being sorted out and advised that we prioritise our living expenses but from the moment we sig...

should i try and pay the £70 though - as I am really anxious about the letter threatening action from barclaycard?

my ip told me i should continue to pay creditors. i hadn't realised how bad this is getting - but if i keep trying to pay as much as possible it is going to leave us with nothing at all to live on! we barely have any money for the food budget. i am scared of not paying creditors because i don't want...

I signed up with this site last week. in desperation i have started the process of an iva. i am so embarrassed to be in this situationa dn am desperate for no one to find out. We are struggling to pay off debts totalling approximately 21k. I have a good job but my husband is on a low part time incom...

I am new to this site and have just Started the process of applying for an IVA – I have sent my paperwork (statements, expenses, income etc) off a couple of days ago to be looked at by an IP. Is it worth shopping around a bit or should I wait to see with what they come up with first? I am using Mone...

I have a breadmaker and it is a fantastic investment. it doesn't necessarily save me money - it costs about the same amount in the long run but it is more tasty and smells fresh in the house Basic bread is so cheap in the supermarket so yuo don't save money there but it certainly means i don't feel ...