I was with Neville Eckley when I started and they closed my office, then they moved my account to another office, then they sold out to Synergy and I was with them to the end. I always wanted to keep the house out of the equation and stated that at the start, although with so many changes down the l...

I was in an IVA for 6 years, and all through that time I was on the Governors body of my daughter's school, and in fact I was Chair of Governors for 2 years. One of the deciding factors of going down the IVA route for me was the ability to continue doing this type of activity without it being affect...

I though I was one of the unlucky ones...tried for a 70p but the creditors put in a modification when I took it out and I ended up paying 92p in the pound over six years....Did do it though !

I finished up with SYnergi, having started with Neville Eckley and the staff in the Taunton Office, real heroes they were to me, only for them to be made redundant and my case to be passed after 3 years to N Eckley Cambridge office who werent as helpful and who were basically snowed under. Then that...

Home Brew ? Its the only thing that kept me sane during our IVA ! and still I have 16 pints bubbling away at a time. At the moment its 16 pints of mild at 5% ! More seriously on the subject of telling people, we only told immediate family and then later a couple of good friends/ colleagues. We found...

I would seriously think about an IVA if you are committed to repaying your debts, if you want a final positive outcome and a plan of action that leaves you knowing exactly what is required of you then an IVA is for you.

Well, I am a practising christian and have certainly found more time for god now that I have slogged through paying my debt back. If you look at the CHristians Against Poverty website they have a lot to say about the desperation that people face when in severe debt, and the ways in which they can go...

Hi There..Havent posted for a while, but I thought I might ask a question for a straw poll. I Completed the IVA after a 5 1/2 year slogand got the COC. I Applied for a Citi credit card and got sent one wih a £1K credit limit. Now, Would you send it back, or lock it away with a few £s deposited on it...

I became a school governor just after entering into my IVA six years ago. The IVA didnt affect it in anyway and I was also Chair of Governors for two years.
Now That I have finished the IVA I have also moved onto Governorship of a second school

My Advice: DONT GET ONE
If you have got one, put money in it and build up a credit amount. Sure there's not much interest, if any, but at least you have built up something to spend

I can only echo what everyone else has said Julia, I started out with nearly 3 times your debt 5 1/2 years ago and have just made the final payment. I remember feeling so desperate at the start of it all and I just took the bull by the horns one day and said that's enough, hiding letters and shuflin...

See....I said you were all a solid lot ! Thanks for the congratulations....but I have to say, being in the position of severe debt, that we have all taken that initial hardest step of psychologically admitting our money problems...Thats the hardest part of all, Once we have all acknowledged that one...

Re: Telling People about it.... At the start It was me and the missus only, its in my name but her wage is taken into consideration as part of our monthly incomings... After a year I had told my Older Sisters ( married with kids.) and Father and Mother ( Both now over 68 and divorced ) Everyone was ...

Blimey....You Guys are Quick to respond !
I just wanted you all to realise it can be done, and I think you should hear it from the horses mouth as it were !

Hi there... I just wanted to post,having watched the forum for ages and having waited till now to register and say my Piece ! I started an IVA in 2002 with a well known IP who has shifted me from one office to anoher and finally to SYnergie who he sold up to last year.I held back from posting becaus...