Many thanks for all your replies. That certainly gives us some reassurance.

Hi - my wife & I have obtained a refund from a PPI claim on a loan that was in joint names. As the IVA is only in my name is she entitled to keep her half of the refund?

we used a company called MoneyDebt & Credit based in Watford who are miles away from us but they arranged for a rep to come out to see us and pick up all the forms and other bits and pieces. I wasn't sure about them at first because they seemed a bit too keen to start with but everything has gone re...

Just wanted to let you all know that we have just had our IVA approved in just under 4 weeks since taking that first step and actually talking to someone about our problems. I was worried to start with it was all going too quick but decided to "go with the flow" and don't regret doing so now. My onl...

Hi again and thankyou for all your posts! I have this evening been speaking to someone from DebtLifeboat following referral from iva.com and they have been really helpful and are sending me some info out to have a look at and are looking at our circumstances to see if they agree that an IVA is the w...

Hi - thankyou for responding so quick! It's reassuring to know there are people out there willing to help! I have looked on iva.com and seen a couple of reviews for the IP which didn't seem brilliant so I've filled out the form on there which does suggest we are eligible for an IVA, so I've submitte...

Hi - this is the first time I have ever posted on a forum or done anything like this but you all seem pretty knowledgable and friendly so here goes! We have just taken the plunge and spoken to MoneyDebt & Credit who have sent us out our IVA proposal which all looks ok but it all seems to be happenin...