Thank you everyone for your support, just heard we have been accepted. Now off to lie down in a dark room to recover my composure!

Congratulations, I can honestly say I know how you feel having just been approved as well [:D]

Have just heard our IVA has been approved with only a minor modification, I am so, so, so, so relieved! [:D][:D][:D] Not everyone voted but it was a 100% approval from those that did. This has been one of the worst mornings of my life, waiting for the phone call you name it I felt it - I dread to th...

Maybe not what you were looking for BUT it does enable you to move on and get and on with your life. Enjoy it! [:D]

thanks. The sheer volume of emotions I have had gone through these past weeks is just overwhelming. From the humiliation of recounting just how much in debt we were to the IP over the phone, the feeling of relief that someone listened without being judgemental and proposed something that whilst not ...

After struggling with money for the past 7 years I've finally sought help and am going down the IVA route. My creditors meeting is this friday and I'm terrifed they'll say no. God only knows what we'll do if they do. Is there any guideline as to when a creditor is more likely to say yes or does it j...