Hi All. I am just sitting here pondering about my IVA and have read some posts this evening about new people going into their IVA's, who understandably are petrified. For those of you who remember me back three years ago, pre IVA, I was a total wreck, and felt that the shame of an IVA was almost too...

Hi Lesley and Jan, yes please, I would love to have your email address. It always helps to bounce ideas off someone else when going through the same experience. I really appreciate your support ladies, it always helps to know there is someone there, not just for IVA advice.

Kazzy x [:p]

Melanie, thanks, you're a real star! He is pretty good with an iron as he was a boy scout! Tin opener might be more of a problem, but strange how he has mastered the art of a bottle opener already!!

Lesley, a very interesting subject which I am sure we will both find a solution to with Melanie's expertise. I wish your daughter the very best for the future too. Bless them, such exciting times for them with bright futures ahead. They should reach out and grab every given opportunity with both han...

Melanie, this is real sound advice, thank you, it's always helpful to hear from people that actually have first hand experience of these issues and any advice you can give Lesley and myself from a personal perspective is always welcomed. My biggest concern is that I don't want my son to miss out on ...

Lesley, Melanie and her team are fantastic and have always been there to help us during worrying times. I know it's a little early to be thinking about these issues, but uni applications have to be in by mid January 2012 latest, so in reality the next year is going to fly by. The IVA is a big matter...

Lesley lets hope we can get us both some answers as it's a bit of an unknown quantity at the moment. Thanks Melanie, you are my IP so its encouraging to hear that the matter would be considered seriously, thank you. He will of course be hoping to secure some part time work during his studies so he w...

Hi Guys - just a quickie question. My son has just finished his AS's and will be looking at going to Uni in September 2012 assuming he passes his A levels next year. I have looked into the student finance options for him and my gosh is it scary? He will be about 200 miles from home and will be stayi...

Yes Broke, I know that feeling too. I never ever thought at the beginning of my IVA that it would have been half way through this quickly, but I have nearly reached the summit, and will start on the trek back down the hill very soon. What do they say - time flies when you're having fun? [:p] Kazzy [...

Paul, so sorry, I didn't think that for one second. That's why I love the forum, because people raise worries long before they need to become an issue and then have time to deal with them properly. Typical OF me I'm afraid, so busy busy with work, that everything else takes a back seat, then whoops!...

Thanks Broke and antm. I do recall a conversation with Mel about this balloon payment where I think, if my memory serves me correctly, she did mention about approaching the finance co to see if they would refinance the balloon payment at the end. That is a good idea, and I will do that with Mel's bl...

It is something we have thought about all the way through, but you tend to brush it under the carpet as three years seems a long way off. Surprising how quickly it rears its head, you're right though, it's a bit late in the day now to be worrying about it.

Kazzy

Yes, she is great - we are very lucky to have been guided through these last three years without too many hiccups. I was going to approach Melanie direct, but she's a busy lady, so I thought I would see if I could get some ideas/options from the forum first before I bothered her. Thanks for coming b...

Hi Broke Thanks for your prompt reply. At the time we took out the finance for the car, we had just been accepted for our IVA, so during that time things were extremely stressful and we were just so glad of our IP agreeing for us to have the car otherwise neither of us would have got to work. These ...

Hi All. We are nearly three years into our IVA and I must say, it's been a great experience on the whole and has taught us some major lessons. When we started our IVA, we had special permission from our IP to purchase a car on finance which was on an option to purchase agreement with a balloon payme...